Middleburg Financial is the holding company for Middleburg Bank, which serves individuals and small to midsized businesses through about 10 branches in northern Virginia. The bank offers standard deposit products such as checking and savings accounts, money market and NOW accounts, CDs, and IRAs. Middleburg Bank focuses heavily on real estate lending: Commercial, agricultural, and residential mortgages account for about three-quarters of its loan portfolio; real estate construction loans add another 15%. Business and consumer installment loans round out the company's loan book.

Cardinal Financial can help you keep out of the red. The holding company owns Cardinal Bank, which operates about two dozen branches in the Washington, DC metropolitan area. Serving commercial and retail customers, it offers such deposit options as checking, savings, and money market accounts; IRAs; and CDs, as well as trust services. Commercial real estate loans make up more than 40% of Cardinal Financial's loan portfolio; residential mortgages, construction loans, business loans, and home equity lines of credit round out the bank's lending activities. Subsidiary Cardinal Wealth Services provides brokerage and investment services through an alliance with Raymond James Financial.

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.

Space Coast Credit Union (SCCU) takes deposits in dollars and moon money. The bank became Florida's third-largest credit union after taking over Eastern Financial Florida Credit Union in 2009. SCCU offers checking and savings accounts, CDs, IRAs, money market accounts, Visa credit cards, mortgages, loans, and investment products to individuals and small businesses. The member-owned cooperative has more than 65 branches and 145 ATMs in eight counties across Central Florida, along the East Coast. SCCU's 360,000 members boast assets of more than $3.2 billion. The credit union was founded in 1951.

Public Bank Berhad has about 250 branches throughout Malaysia, where it is one of the top lenders and fund operators. Offerings include deposit accounts, credit cards, home loans, and insurance plans. In addition to retail and commercial services, it provides corporate banking, brokerage, investment banking, wealth management, and Islamic banking. Public Bank has more than 100 overseas branches in countries including Cambodia, China, Hong Kong, Laos, Sri Lanka, and Vietnam. The company was founded in 1966 by chairman Tan Sri Dato' Sri Dr. Teh Hong Piow.

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.

U.S. AgBank, FCB bank provides funding for long-term real estate loans secured by first mortgages on farm or rural land. It also provides shorter-term loans to agricultural producers. The government-sponsored entity does not lend directly to borrowers, but rather through more than two dozen associations (Agricultural Credit Associations, Farm Land Credit Associations, Production Credit Associations) that own U.S. AgBank. The company plans to merge with CoBank, another Farm Credit System member.

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.

LSB Financial is the holding company for Lafayette Savings Bank, which has been serving northern Indiana since 1869. Today the bank has a handful of branches in the communities of Lafayette and West Lafayette, offering checking, savings, and money market accounts, NOW accounts, and CDs. It primarily writes real estate loans, with residential mortgages making up about half of the company's loan portfolio. It also writes commercial and multifamily residential mortgages, real estate construction loans, and land development loans.

Independent Bank Corporation is the holding company for Independent Bank, which serves Michigan's Lower Peninsula from more than 100 branches and a handful of loan production offices. Independent Bank provides retail and commercial banking services including mortgage lending and wealth management. Commercial loans account for about a third of its loan portfolio, followed by mortgages and consumer installment loans. The company also owns Mepco Finance, which acquired payment plans for extended automobile warranties, and Independent Title Services.

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