Delta Community Credit Union is a cooperative, owned and operated by its members. This is what distinguishes the Credit Union from other financial institutions. Members put their money in a variety of savings accounts, and that money, in turn, is lent to members. After operating expenses and reserve requirements are met, loan income is returned to all members in the form of dividends and comprehensive financial services.

Central Pacific Bank is the primary subsidiary of Central Pacific Financial Corp., a Hawaii based financial institution with $4.2 billion in assets. Central Pacific Financial Corp.’s stocks are publicly traded on the New York Stock Exchange under the symbol “CPF”.Central Pacific Bank provides a full range of banking, investment and trust services. Founded by a small group of World War II veterans in 1954 to help immigrant families build a life away from the plantations, the bank has grown to serve the financial needs of all families and small businesses in the Islands. We are a leading force in supporting homeownership and small businesses in Hawaii as a market leader in residential mortgage and SBA loan riginations.The bank and its employees also have a long and proud history of giving back to the communities in which we work, live and raise our families. Our values and sensibilities are local and focused on our customers and our community, allowing us to help create a better life for everyone in these islands.

In 1960, a group of Whidbey Island business leaders felt the time had come to create an independent community bank — one that would serve the unique banking needs of local businesses and residents of Whidbey Island.Their vision was simple: To build a bank based on strong community values — one that would invest its financial capital locally. One that believed its employees are its most valuable asset. Most importantly, this bank would provide an exceptional level of service, simply by treating people for who they are — our friends and neighbors. We call this style of banking The Whidbey Way and, in spite of our island roots, it doesn’t end at the Clinton ferry terminal or at Deception Pass.Experience the Whidbey Way of banking at 30 branches, throughout 6 counties in Northwest Washington.

United PanAm Financial flies the choppy skies of subprime lending. Operating through subsidiaries United Auto Credit Corporation (UACC) and United Auto Business Operations (UABO), the specialty finance firm originates, buys, and services auto loan contracts for high-risk customers. The company buys contracts from independent and franchised used car dealers. Most borrowers have less-than-perfect credit histories, which impairs their ability to secure loans. UACC, once heavily localized in California, now has more than 15 offices throughout the country -- a dramatic decrease from what it had only a few years ago. Chairman Guillermo Bron and investment firm Pine Brook Road are buying United PanAm.

Cortland Bancorp is the place to keep your bucks in the Buckeye State. Cortland Bancorp is the holding company for Cortland Savings and Banking Company (aka Cortland Banks), a community-oriented institution serving northeastern Ohio from about 15 banking locations. Cortland Banks offers standard banking services including checking and savings accounts, debit cards, and business and consumer loans. More than half of Cortland's loan portfolio is composed of commercial mortgages. Other offerings include discount brokerage and trust services.

IKB Deutsche Industriebank supplies long-term financing and consulting services to established small and middle-market businesses. IKB's products and services include funding for infrastructure investment projects, restructuring consultancy, derivatives, capital markets services, and mergers and acquisitions. The company also furnishes lease financing toward machinery, vehicles, and other assets. It operates primarily in Germany, but also has a presence in France, England, and Spain. In 2008 the global economic crisis took a toll on IKB Deutsche Industriebank and the bank was bailed out by Germany's financial sector. US-based private equity firm Lone Star Funds subsequently acquired the bank.

TrustCo Bank Corp is the holding company for Trustco Bank, which operates in eastern New York, central and western Florida, and parts of Vermont, Massachusetts, and New Jersey. It has about 130 branches, offering individual and business customers a variety of deposit products and trust services. It primarily originates residential and commercial mortgages, which account for about three-quarters of its loan portfolio; it also writes business loans and home equity lines of credit. Since 2003, TrustCo Bank has nearly doubled its branch network in New York and Florida by opening new locations. It plans to continue opening new branches, albeit not as rapidly.

The year was 1910 when the men in the photograph at left gathered at the Strawberry Market in Mount Olive, North Carolina. Their local bank, The Bank of Mount Olive, was nine years old at the time, and reflected the values of the day. It was a place where their money was safe and earned good interest. A place where they were treated as friends and respected as individuals.

Hawthorn Bancshares keeps a hawk eye on its customers' money. It is the indirect holding company for Hawthorn Bank, which operates some two-dozen branches in central and west-central Missouri. Originally founded in 1932, the bank offers traditional commercial banking services including deposit accounts, CDs, and lending. Its loan portfolio includes commercial and industrial loans, consumer installment loans, and commercial and residential mortgages. The bank also offers trust and brokerage services. Hawthorn Bancshares owns Hawthorn Bank through subsidiary Union State Bancshares.

Amegy Bank entered the market with a small team who had big goals. Throughout the next two decades, that team grew into a talented family of bankers whose commitment to common-sense solutions and doing the right thing for customers still remains a priority today.Amegy Bank believes in relationship banking, where customers know their bankers’ names and bankers know their customers’. We look at banking from our customers’ perspective and we make it easy for them to bank with us. Through what we call the “Community Banking Partnership,”they bring solutions to customers by being proactive and providing them access to all parts of the bank in their own geographic areas.

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