NBT Bank and its Pennstar Bank division, which together operate about 120 branches in central and upstate New York, northeastern Pennsylvania, and Burlington, Vermont. The community banks offer such standard products and services as checking, savings, and money market accounts; CDs; and trust services. The company's lending activities are dominated by business and commercial real estate loans. Other subsidiaries offer insurance, financial and retirement planning, and investment products. Its NBT Capital subsidiary provides venture funding to area businesses.

University Bank is an FDIC insured, locally owned and locally managed Community Bank primarily serving the cities of Ann Arbor and Ypsilanti of Washtenaw County, Michigan. The Community Banking operation focuses on local businesses, local residents, minorities and non-profit organizations. Other Community Banking specialties include highly competitive deposit products, residential and commercial real estate mortgage lending and business loans. Insurance and stock, bond and mutual fund investments are also avaliable to our customers through our wholly owned subsidiary University Insurance & Investments, Inc.

The First Bancorp (formerly First National Lincoln) is the holding company for The First, a regional bank serving coastal Maine from about 15 branches. The bank offers traditional retail products and services, including checking and savings accounts, CDs, IRAs, and loans. Residential mortgages make up about half of the company's loan portfolio; business loans account for another third. Bank subsidiary First Advisors offers private banking and investment management services. The bank traces its roots to 1864 and has grown through acquisitions and the opening of new branches.

ACNB Corporation, through its subsidiaries, provides banking and financial services to individuals and businesses. It accepts various deposit products, such as interest bearing demand, non-interest bearing demand, savings, and time deposits. ACNB Corporation also provides commercial lending products, including real estate development and construction, accounts receivable and inventory financing, and agricultural loans, as well as commercial mortgages; consumer lending programs, which comprise home equity loans and lines of credit, automobile and recreational vehicle loans, manufactured housing loans, and personal lines of credit; and mortgage lending programs, such as personal residential mortgages, residential construction loans, and investment mortgage loans. In addition, it offers trust services, such as investment, protection, management, and distribution of financial assets; estate settlement; and other services, including services under testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, and powers of attorney. Further, ACNB Corporation operates as an insurance agency that provides a range of property and casualty, life, and health insurance to commercial and individual clients; and engages in the business of reinsuring credit life and credit accident, and disability risks. As of December 31, 2009, it operated 21 retail banking offices in Adams, Cumberland, and York Counties, Pennsylvania, as well as 2 loan production offices in York and Franklin Counties, Pennsylvania. ACNB Corporation is headquartered in Gettysburg, Pennsylvania.

Municipal Mortgage & Equity (MuniMae) invests in tax-free municipal bonds issued by state and local governments. Those bonds are typically used to build multifamily housing, including units for low-income families, students, and the elderly. The disruption in world credit markets, coupled with a deterioration in the tax-exempt bond market hurt MuniMae. The commercial real estate market also tanked, driving down the values of the company's assets. The company was forced to drastically reduce the size of its business, cut its workforce by 80%, and sell off assets at a loss in order to stay afloat. MuniMae continues to look for ways to reduce debt and raise capital.

Boston Private Financial Holdings, Inc. owns 10 independently operated companies that offer private banking, wealth advisory, and investment management to wealthy individuals and institutional clients throughout the US. Boston Private's holdings include Boston Private Bank & Trust, which operates about 10 branches in Massachusetts. In California, the company runs Borel Private Bank & Trust and First Private Bank & Trust. Charter Private Bank serves clients in Washington. The banks offer a range of deposit lending products. Boston Private's advisory and management arms oversee some $19 billion in assets.

Anchor BanCorp Wisconsin Inc. was founded in 1919 and is based in Madison, Wisconsin. Anchor BanCorp Wisconsin Inc. operates as the holding company for AnchorBank, fsb, which provides various financial products and services in Wisconsin, Iowa, Minnesota, and Illinois. Its deposit products include passbook savings accounts, demand deposits, interest bearing checking accounts, money market accounts, and certificates of deposit. The company originates single-family residential, multi-family residential, commercial real estate, construction, and land mortgage loans; consumer loans, including second mortgage and home equity, and education loans; and commercial business loans. It also invests in real estate partnerships. In addition, the company provides credit cards, annuities, and related consumer financial services. As of March 31, 2009, it operated 73 branch offices and 2 loan origination offices.

Bank of America boasts one of the country's most extensive branch networks with more than 5,900 locations covering some 40 states from coast to coast. Its core services include consumer and small business banking, credit cards, and asset management. In early 2009 Bank of America paid some $50 billion in stock for Merrill Lynch, which had been crippled by the global credit crisis. The acquisition of the once-mighty investment bank known as "The Bull," which has an extensive retail brokerage network, beefs up Bank of America's wealth management, investment banking, and international business.

Peapack-Gladstone Financial hopes its customers are happy as peas in a pod. The company is the parent of Peapack-Gladstone Bank, which operates more than 20 branches serving New Jersey's Hunterdon, Morris, Somerset, and Union counties. Founded in 1921, the bank serves area individuals and small businesses by providing such traditional services as checking, savings, and money market accounts; CDs; IRAs; and credit cards. It offers trust and investment management services through its PGB Trust and Investments unit. Mortgages secured by residential properties represent about half of the company's loan portfolio. The bank also originates commercial real estate, construction, consumer, and business loans.

Citizens Community Bancorp is the holding company for Citizens Community Federal, a community bank with about two dozen branches in Wisconsin, southern Minnesota, and northern Michigan. Serving consumers and businesses, the bank offers standard deposit services such as savings, checking, money market, and retirement accounts, as well as a variety of loan products. The bank focuses its lending activities on one- to four-family mortgages, which represent more than half of its loan portfolio. The bank also offers consumer loans such as auto and personal loans; it does not routinely make commercial loans. Founded in 1938, Citizens Community was a state-chartered credit union until 2001.

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