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Cheviot Financial happily puts the "buck" in "Buckeye State." It is the holding company for Cheviot Savings Bank, which operates more than five branches in and around Cincinnati. The community-oriented thrift offers traditional products such as checking and savings accounts, CDs, IRAs, and credit cards. Its lending activities primarily consist of residential mortgages; construction, consumer, and commercial loans round out its loan book. Cheviot offers investment services through third-party provider Souders Financial. Cheviot Mutual Holding Company owns about 60% of Cheviot Financial, which will nearly double in size through its planned acquisition of First Franklin Corporation.

ChoiceOne Bank, which has more than a dozen offices in the western part of Michigan's Lower Peninsula. The bank serves consumers and area businesses, offering checking and savings accounts, CDs, investment planning, and other services. Real estate loans, including residential and commercial mortgages, constitute more than two-thirds of the company's loan portfolio. Agricultural, consumer, and business loans help to round out the bank's lending activities. ChoiceOne Financial Services sells life, health, and disability coverage through its ChoiceOne Insurance Agencies subsidiaries.

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.

Citizens of the Republic! Citizens Republic Bancorp is the holding company for Citizens Bank, which operates about 220 branches primarily in Michigan, but also in Wisconsin, Ohio, and Indiana. In addition to consumer and commercial banking, Citizens Republic Bancorp also offers wealth management, brokerage services, mutual funds, annuities, and trust services. Commercial loans, including real estate, construction, and industrial loans, make up approximately 60% of the company's portfolio; consumer loans represent about 25%. Citizens sold its F&M Bank-Iowa subsidiary to Great Western Bank, a unit of National Australia Bank, in 2010.

CNB Corporation is the holding company for Citizens National Bank of Cheboygan, which serves individuals and local businesses through more than five branches in the northern reaches of Michigan's Lower Peninsula. Serving the counties of Cheboygan, Emmet, and Presque Isle, the bank offers standard fare such as checking, savings, and money market accounts, CDs, and IRAs. CNB Mortgage, a subsidiary of the bank, handles residential mortgage lending activities, which account for approximately half of the company's loan portfolio; commercial mortgages make up most of the remainder. Bank affiliate CNB Financial Services provides insurance and financial planning. Citizens National Bank was founded in 1931.

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