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Ohio Valley Banc Corp. (OVBC) knows when you go to buy groceries, you'll probably need some cabbage. That's why this holding company likes to operate its Ohio Valley Bank branches inside supermarkets. The bank has some 15 branches in Ohio and West Virginia, about half of which are in Wal-Marts and other stores. The bank accepts deposits in checking, savings, time, and money market accounts, and offers standard banking services, such as safe deposit boxes and wire transfers. Commercial and residential real estate loans combine to make up almost three-quarters of the bank's loan portfolio. Business and consumer loans make up the remainder. Also part of OVBC is life insurance agency Ohio Valley Financial Services.

Old National Bancorp operates about 170 offices in Indiana, Illinois, and Kentucky. Serving consumers and business customers, the bank offers standard fare such as checking and savings accounts, credit cards, and loans. Its treasury segment manages investments for the bank as well as for commercial clients. Business loans, commercial mortgages, and consumer loans account for the bulk of Old National's lending activities. The company also sells insurance, manages wealth for high-net-worth clients, and offers investment and brokerage services.

Oxford Bank Corporation is the holding company for Oxford Bank, which has provided residents of eastern Michigan a home for their money for more than 125 years. It has nearly 10 branches, as well a lending center and commercial banking office, in communities north of Detroit. Serving consumers and local businesses, the bank offers standard products and services such as checking and savings accounts, CDs, credit cards, and investments. It also offers real estate, construction, and business loans. Its residential mortgage loan portfolio was pounded by the economic downturn, and as a result the company suffered losses. However, Oxford cut costs and began seeing improvements as the market recovered.

Peoples Bancorp offers banking for the people, by the people, and of the people. The holding company owns Peoples Bank, which has about 50 branch offices in non-urban markets in Ohio, Kentucky, and West Virginia. Peoples offers traditional retail banking services as well as wealth management, trust, and retirement services through its Peoples Financial Advisors division. Its Peoples Insurance subsidiary sells life, health, and property/casualty coverage. Credit cards and brokerage services are offered through third-party providers. The bank focuses its lending activities on commercial mortgages and business, construction, and residential mortgage loans.

Princeton National Bancorp is the holding company for Citizens First National Bank in north-central Illinois. Founded in 1865, the bank serves area residents and businesses through more than 20 branches in nearly as many communities. It offers traditional services such as checking and savings accounts, CDs, IRAs, and credit cards. Business loans account for the largest portion of the company's loan portfolio, followed by commercial and residential mortgages. The bank also writes agricultural, construction, and consumer installment loans. Through Citizens Financial Advisors, it offers insurance, investments, farm management, and fiduciary services.

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