Canandaigua National can undoubtedly stake its claim as the holding company for Canandaigua National Bank and Trust, which operates more than 20 branches in the Finger Lakes region of upstate New York. In addition to traditional deposits and loans, the bank also offers online brokerage, insurance, and wealth management services, including corporate retirement plan management and individual financial planning. Its loan portfolio is composed largely of commercial mortgages (nearly 40%), other business loans, and residential mortgages (about 20% each). Canandaigua National executives and directors collectively control about one-fourth of the company.

Evans National Bank wants to take care of Buffalo's bills. The subsidiary of Evans Bancorp operates about a dozen branches in western New York (including Buffalo). The bank primarily uses funds gathered from deposits to originate commercial and residential real estate loans (more than 70% of its loan portfolio) and to invest in securities. Subsidiaries include ENB Insurance Agency, which sells property/casualty insurance; ENB Associates, offering mutual funds and annuities to bank customers; and Evans National Leasing, which provides financing for business equipment throughout the US. In 2009 Evans Bancorp aquired the assets and single branch of the failed Waterford Village Bank in Clarence, New York.

Carolina Trust Bank serves southwestern North Carolina through about a half-dozen locations. It provides a variety of commercial and personal financial services including checking and savings accounts, IRAs, CDs, and credit cards. The bank is mainly a real estate lender, with one- to four-family residential mortgage, commercial real estate, construction, and land development loans comprising most of its portfolio. The company acquired the single-branch Carolina Commerce Bank in 2009. Carolina Trust was founded in 2000.

Suncoast Schools Federal Credit Union was chartered January 31,1934 as Hillsborough County Teachers Credit Union based on assets. It serves public and private school employees, municipal workers, students, and those working for a select group of more than 1,000 employers (and their families) in about 15 western Florida counties. The credit union offers standard services such as checking and savings accounts, residential mortgages, credit cards, and consumer loans, in addition to insurance, investment, trust, and real estate services. Founded in 1934 as Hillsborough County Teachers Credit Union, the not-for-profit, member-owned cooperative has about 50 locations and some 500,000 members.

Southern First Bancshares operates in two markets: Greenville, South Carolina, where it operates under the Greenville First Bank moniker, and in Columbia, South Carolina as Southern First Bank. Selling itself as a local alternative to larger institutions, the company, which has more than five bank branches, targets individuals and small to midsized businesses. It offers traditional deposit services and products, including checking accounts, savings accounts, and CDs. The banks use funds from deposits mainly to write commercial mortgages, residential mortgages, and commercial business loans.

Horizon Bancorp is on the up-and-up. It's the holding company for Horizon Bank, which serves northwest Indiana and southwest Michigan through more than 20 branches. It provides local individuals and businesses such standard services as checking and savings accounts, IRAs, CDs, and credit cards. Commercial, financial, and agricultural loans make up the largest segment of Horizon's loan portfolio, which also includes mortgage warehouse loans (loans earmarked for sale into the secondary market), consumer installment loans, and residential mortgages. Through subsidiaries, the bank offers trust and investment management services, life and health insurance, property/casualty coverage, and annuities.

National Bancshares Corporation operates as the holding company for First National Bank that provides a range of financial services to individuals and companies in Ohio. The company accepts various deposits, which include checking and savings accounts, regular and money market savings accounts, NOW accounts, and fixed-maturity and fixed-rate certificates. Its loan portfolio comprises commercial loans, commercial real estate loans, construction loans, residential mortgage and home equity loans, and secured and unsecured consumer installment loans. In addition, the company offers debit cards, gift cards, travel cards, travelers` checks, official checks, money orders, ATM services, and individual retirement accounts.

Erste & Steiermarkische Bank (ESB) is banking on the fiduciary habits of native Croatians. The Croatia-based bank caters to individuals and small- and medium-sized businesses through more than 120 branches; services include Internet banking for retail and corporate clients. When the bank first opened in 2002, it had few direct competitors, but today as the competitive landscape has changed, the bank's clientele have had more banking choices and have asserted their loyalty to ESB. The company has a more than 10% market share. Erste Bank owns 555% of Erste & Steiermarkische; Steiermarkische Bank und Sparkassen owns about 40%.

ABC International Bank (ABCIB) focuses on trade finance and investment between Europe and the Arab world. The bank's offerings include trade and commodity finance, lending to small and midsized businesses, treasury management, and Islamic financial services (including banking and asset management that are compliant with Islamic religious principles). It also finances energy and infrastructure projects in the Middle East and North Africa. A subsidiary of Arab Banking Corporation, ABCIB has branches in Frankfurt, London, Milan, and Paris, with additional support offices in Spain, Sweden, Turkey, and the UK.

CBRE | Melody helps commercial real estate owners sing a sweeter tune. A unit of real estate powerhouse CB Richard Ellis, the real estate investment banking and commercial mortgage lending firm offers a variety of debt and equity financing products and related services through more than 35 offices in major cities throughout North America. Loan servicing is provided through GEMSA Loan Services, its joint venture with GE Real Estate. CBRE | Melody offers construction, permanent, mezzanine, and other types of financing for apartment complexes, office buildings, hotels, and industrial and retail properties.

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