ChoiceOne Bank, which has more than a dozen offices in the western part of Michigan's Lower Peninsula. The bank serves consumers and area businesses, offering checking and savings accounts, CDs, investment planning, and other services. Real estate loans, including residential and commercial mortgages, constitute more than two-thirds of the company's loan portfolio. Agricultural, consumer, and business loans help to round out the bank's lending activities. ChoiceOne Financial Services sells life, health, and disability coverage through its ChoiceOne Insurance Agencies subsidiaries.

Juniata Valley Financial may be the place for you. The institution is the holding company for Juniata Valley Bank, which serves central Pennsylvania from about a dozen banking locations. The bank offers standard deposit products and services, including checking and savings accounts, money market accounts, IRAs, and CDs. It also provides credit card services and originates a variety of consumer and business loans. Consumer loans make about 70% of its loan portfolio. Additionally, Juniata Valley Bank sells insurance and investment products. Juniata Valley Bank was established in 1867.

Meta Financial Group is the holding company for MetaBank, a thrift with about a dozen branches in Iowa and South Dakota. MetaBank offers standard deposit products and services including checking and savings accounts. Its lending and investment activities are weighted towards real estate and real estate-related assets; the bank also writes consumer and agriculture loans. MetaBank division Meta Payment Systems (MPS), the company's fastest-growing segment, provides prepaid cards and electronic payment services nationwide. Meta Financial also owns Meta Trust Company, which provides a full range of trust services.

WSB Holdings was formed in 2008 to be the holding company for The Washington Savings Bank, a thrift with about five branches and a loan production office in Maryland's Baltimore/Washington, DC, corridor. Targeting middle-class consumers and midsized businesses, it offers standard deposit services such as checking savings, money market, and retirement accounts, and certificates of deposit. Although the bank has traditionally focused on single-family mortgages and construction loans, it has diversified its loan portfolio amid the troubled housing market; commercial loans now account for the largest portion of its portfolio. Chairman William Harnett owns more than 40% of WSB Holdings.

Wing Lung Bank, founded in 1933, is among the oldest local Chinese banks in Hong Kong. The bank provides comprehensive banking services, including deposits, loans, foreign exchange, credit cards, Internet banking, and wealth management. Through subsidiaries, the bank also provides hire-purchase and leasing, trustee, futures broking, securities broking services, insurance sales, and underwriting. Wing Lung Bank has about 40 banking offices, primarily in China; it also operates through overseas branches in Los Angeles and the Cayman Islands. China Merchants Bank acquired a majority stake in Wing Lung Bank in 2008 and bought the company's remaining outstanding shares later that year.

Since 1954, First Federal has been dedicated to the economic well-being of the customers and communities it serves. With deep roots in mortgage lending, First Federal was originally known as the premier partner for those needing a home in the Clarksville area. Guided by a group of local business people, the institution recognized the bank could only be as strong as the community it served. First Federal then hired and trained local employees, many of whom grew with the organization for decades. And building on its success with single-family dwellings, First Federal has turned to financing multi-family housing, construction and small business loans. Today, as an independent community bank, we are in a position to offer a broad range of financial services and unparalleled convenience. We can proudly say we have the strength and capacity to support the growth and success of both individuals and companies throughout the state.

Heritage Bank, a state chartered commercial bank, has been serving metro Atlanta's Southern Crescent since 1955. The independent community bank has six full service offices, features a well-rounded offering of commercial and consumer products, and is an active, involved member of the community it serves. The company's stock is traded under the symbol "CCFH.OB".

Community Partners Bancorp is the holding company for Two River Community Bank and The Town Bank (a division of Two River). Through more than a dozen total branches located in eastern New Jersey , the two banks offer deposit services like checking and savings accounts, as well as a variety of lending services, to consumers and small to midsized businesses. The banks' combined loan portfolio consists mainly of commercial real estate loans (about 40%), commercial and industrial loans (25%), and construction loans (20%). Consumer and residential loans make up only about 10% of the portfolio. Two River's branches are located in Middletown, while Town Bank's are located in Westfield and Cranford.

Kaiser Federal Financial is the holding company of Kaiser Federal Bank, a community thrift operating in Southern California and the San Francisco Bay area. With about 10 full-service branches and financial services offices, Kaiser Federal Bank offers such traditional retail deposit products as checking accounts, savings accounts, and CDs. The company uses deposit funds to originate or purchase a variety of loans; real estate loans make up the bulk of a lending portfolio that also includes automobile, home equity, and other consumer loans. Formerly named K-Fed Mutual, the company converted to a stock holding structure in 2010.

Astoria Financial Corporation operates as the bank holding company for Astoria Federal Savings and Loan Association that provides various banking services in the United States. It primarily engages in generating deposits and originating loans. Astoria Financial Corporation company’s deposit products include passbook and statement savings accounts, money market accounts, NOW and demand deposit accounts, and liquid certificates of deposit, as well as certificates of deposit, which comprise time deposits. Its loan portfolio consists of one-to-four family mortgage loans; multi-family and commercial real estate loans; construction loans for various residential properties and certain commercial real estate properties; and consumer and other loans, including home equity lines of credit, as well as overdraft protection, commercial loans, and passbook loans. Astoria Financial Corporation, through its other subsidiaries, also operates as a life insurance agency. As of December 31, 2009, it operated 85 full-service banking offices. Astoria Financial Corporation was founded in 1888 and is headquartered in Lake Success, New York.

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