Malvern Federal Bancorp was formed in 2008 to be the holding company for Malvern Federal Savings Bank, which has been in business since 1887. The bank operates seven financial centers in Chester County in southeastern Pennsylvania, west of Philadelphia. It offers standard deposit services such as checking and savings accounts, certificates of deposit, and retirement plans. The community-oriented institution has traditionally been a leading originator of residential home loans in Chester County, but has been shifting its focus toward issuing more commercial real estate, construction, and consumer loans.

First Security was incorporated in 1999 as a Tennessee corporation to serve as a bank holding company, and is regulated and supervised by the Board of Governors of the Federal Reserve System. First Security conducts all of its business activities through its wholly-owned subsidiary, FSGBank, National Association, a national banking association regulated and supervised by the Office of the Comptroller of the Currency. First Security serves the banking and financial needs of the various communities located along the interstate corridors of middle and East Tennessee and Northwest Georgia. These interstate communities are primarily served by branches of large regional and national financial institutions headquartered outside of the area. As a result, we believe these markets need, and are best served by, a locally-owned and operated financial institution managed by people in and from the communities served. We offer personalized and flexible banking services to the communities in our market area and are able to react quickly to changes in those communities, in part by maintaining local advisory boards. In Dalton, Georgia, FSGBank operates under the name of Dalton Whitfield Bank; along the Interstate 40 corridor in Tennessee, FSGBank operates under the name of Jackson Bank & Trust. FSGBank provides retail and commercial banking services, trust and investment management, mortgage banking, financial planning, internet banking, and equipment leasing through its wholly-owned subsidiaries, Kenesaw Leasing and J&S Leasing.

Village Bank & Trust is the holding company for Village Bank, which has about a dozen branches in the suburbs of Richmond, Virginia. It offers standard services, including deposit accounts, loans, and credit cards. Deposit funds are used to write loans for consumers and businesses in the area; commercial real estate loans, mainly secured by owner-occupied businesses, account for about half of the bank's lending portfolio, which also includes business, construction, residential mortgage, and consumer loans. In 2008 Village Bank & Trust acquired the three-branch River City Bank in a transaction worth more than $20 million.

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.

Joyo Bank offers regional banking services for Japan's Ibaraki Prefecture and its surrounding regions. Backed by more than 170 branches, Joyo offers deposits, loans, investment portfolios, international business, and other traditional retail banking products. Subsidiaries and affiliated companies include Joyo Computer Service Co. (calculation software), Joyo Lease Co. (machinery and equipment leasing), Joyo Credit Guarantee Co. (housing loans credit), and Joyo Cash Service Co. (ATM and CD management and maintenance).

TIB Financial is the holding company for TIB Bank, which operates about 30 branches in South Florida, and the Bank of Venice (acquired in 2007), which has two locations in Venice, Florida. Serving individuals and local businesses, the banks offer checking and savings accounts, NOW accounts, CDs, and IRAs. Commercial real estate loans make up slightly more than half of the company's loan portfolio which also includes commercial, residential mortgage, business, consumer, construction, and land loans. TIB Financial also offers investment management services to local residents and businesses.

Citizens First puts the folks of southwestern Kentucky before all else. Founded in 1975 as a small private-investment club, Citizens First is the holding company for Citizens First Bank, which serves consumers and area businesses through about a dozen locations and 20 ATMs. The company's loan portfolio includes primarily commercial and residential mortgages and business loans. The company also provides title insurance services. Through alliances with other firms, it offers its customers trust and investment services as well as insurance products. Fellow Kentucky bank Porter Bancorp withdrew its offer to acquire a controlling stake in Citizens First in late 2009.

Alliance Financial Corporation is the holding company for Alliance Bank, which operates about 30 branches in central New York. Targeting individuals and small to midsized businesses, the bank offers such deposit products as checking and savings accounts, IRAs, and CDs. Its loan and lease portfolio mainly contains residential mortgages (about 30%), commercial loans (nearly 25%), and indirect auto loans (around 20%). The company provides commercial equipment leasing in more than 30 states through its Alliance Leasing subsidiary. Alliance Financial also operates a trust department that manages some $1 billion worth of investment assets.

Cape Bank is a permanent fixture serving the ebb and flow of New Jersey's touristy coastal and inland towns. Serving both commercial and residential customers, the bank provides traditional deposit options such as checking and savings accounts, as well as loan services like home equity, lines of credit, and mortgages (both commercial and one- to four-family). It operates about 20 locations and serves customers in Atlantic and Cape May counties. Cape Bancorp was formed in 2007 to be the holding company for Cape Bank and went public the following year; the bank's roots go back to the 1920s.

Princeton National Bancorp is the holding company for Citizens First National Bank in north-central Illinois. Founded in 1865, the bank serves area residents and businesses through more than 20 branches in nearly as many communities. It offers traditional services such as checking and savings accounts, CDs, IRAs, and credit cards. Business loans account for the largest portion of the company's loan portfolio, followed by commercial and residential mortgages. The bank also writes agricultural, construction, and consumer installment loans. Through Citizens Financial Advisors, it offers insurance, investments, farm management, and fiduciary services.

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