Valley National is high on its New Jersey and New York business banking customers. The holding company owns Valley National Bank, which provides commercial and retail banking services through more than 205 branch offices in northern and central New Jersey and in Manhattan, Brooklyn, and Queens. The bank offers checking and savings accounts, CDs, and trust services. About 60% of the bank's loan portfolio is dedicated to mortgages, split about evenly between residential and commercial property; consumer loans add another 20%. Subsidiaries offer such services as asset-based lending, asset management, mortgage services, title insurance, auto lending, aircraft financing, equipment leasing, insurance products, and title services.

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.

Woodforest Financial Group Inc. family of companies includes both Woodforest National Bank and Woodforest Bank. Each bank plays an important role in the continued growth and strength of Woodforest.Woodforest Financial Group purchased Olympic Savings, a State Savings Bank out of Refugio, Texas in April 2007. Olympic soon had a new name, Woodforest Bank, and was converted to a Federal Savings Bank. Woodforest Bank currently has over 160 branches now open. With this new charter, Woodforest Financial Group brings the expertise and innovation of 30 years of banking success to all new Woodforest markets around the country.

The Citizens Bank of East Tennessee is a bank, serving Hawkins, Hancock and surrounding counties since 1906.We are locally owned and managed by citizens you grew up with. At the Citizens Bank of East Tennessee, we form enduring relationships with citizens, their families, and their businesses. We strive to deliver the highest level of personal service in providing a broad range of banking products and services to meet your growing financial needs.

BOK Financial Corporation, a financial holding company, provides various financial products and services to commercial and industrial customers, and other financial institutions and consumers in the United States. It operates in three segments: Commercial Banking, Consumer Banking, and Wealth Management. The Commercial Banking segment offers lending, treasury, and cash management services, as well as customer risk management products for small businesses, middle market, and larger commercial customers. The Consumer Banking segment involves in retail lending and deposit services, and mortgage banking activities, as well as offers indirect automobile lending products. The Wealth Management segment provides fiduciary services, brokerage and trading, private bank services, and investment advisory services. BOK Financial Corporation company also provides Internet banking and automated teller machine services (ATM). As of December 31, 2009, it operated 197 consumer banking locations, including branch banking locations and mortgage lending offices, as well as had 1,896 ATM’s. BOK Financial Corporation serves customers in Oklahoma; Northwest Arkansas; Dallas, Fort Worth, and Houston, Texas; Albuquerque, New Mexico; Denver, Colorado; Phoenix, Arizona; and Kansas City, Kansas/Missouri. BOK Financial Corporation was founded in 1910 and is headquartered in Tulsa, Oklahoma.

American River Bankshares serves area small to midsized businesses and individuals, offering traditional deposit products such as checking and savings accounts and CDs. It offers commercial and residential mortgages, as well as business, construction, and consumer loans, and lease financing for business equipment.

The Brazos Higher Education Service Corporation, Inc. (“Brazos”) is a non-profit service corporation which provides administrative support and management services to a number of independent non-profit corporations each of whom are dedicated to helping students and parents finance the cost of higher education. The Brazos Managed Companies is a term commonly used to describe the independent non-profit companies, collectively, which are managed by Brazos. With the first company founded in 1975, Brazos and the companies it manages have continued forward with the primary purpose of financing higher education. Through the Federal Family Education Loan Program (FFELP) to private student loans, the individual companies have historically acquired pools of student loans through the issuance of student loan revenue bonds or bank warehouse facilities. Brazos and the companies it manages have been the key participants in student loans for over 30 years.

Arrow Financial has more than one shaft in its quiver. It's the holding company for two banks: Glens Falls National Bank and Trust Company and Saratoga National Bank and Trust Company, which together operate more than 30 branches in five counties in eastern upstate New York. Targeting individuals and area businesses, the banks offer standard deposit products like checking, savings, and money market accounts; CDs; and IRAs. They also provide retirement, trust, and estate planning services and employee benefit plan administration. Residential mortgages make up the largest segment of Arrow Financial's loan portfolio (more than 40%); indirect and installment loans to individuals account for about 30%.

SunTrust Banks, Inc. operates as the holding company for SunTrust Bank, which provides various financial services to consumer and corporate customers in the United States. The company operates in four segments: Retail and Commercial, Wealth and Investment Management, Corporate and Investment Banking, and Household Lending. The Retail and Commercial segment offers various financial products and services that include consumer deposits; home equity lines; consumer lines; commercial and commercial real estate lending; financial risk management; insurance premium financing; treasury and payment solutions, including commercial card services; and specialized commercial real estate investments.

The Chiba Bank serves Japan's Chiba prefecture -- located east of Tokyo -- through about 170 branches and sub-branches. The bank, in addition to providing traditional banking services to individuals and businesses, offers investment trusts, credit cards, leasing, financial consulting, annuities, and securities. Its lending focuses on home mortgages, regional businesses, and residential construction companies. The bank has more than 28,000 ATMs nationwide and operates international offices in Hong Kong, London, New York, and Shanghai. In 2008 Chiba Bank joined with banks in Thailand and China to provide financial services in those countries.

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