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Sturgis Bancorp is the holding company for Sturgis Bank & Trust, which has about 10 branches in south-central Michigan. Founded in 1905, the bank offers checking and savings accounts, CDs, trust services, and other standard banking fare. Real estate loans comprise the bulk of its lending activities: one- to four-family residential mortgages make up more than half of the company's loan portfolio. Subsidiary Oak Leaf Financial Services provides insurance and investment products and services from third-party provider Linsco/Private Ledger.

TFS Financial is the holding company for Third Federal Savings and Loan, a thrift with some 45 branches and loan production offices in northeastern Ohio and in southern Florida. The bank offers such deposit products as checking, savings, and retirement accounts and CDs. It uses funds from deposits to originate a variety of consumer loans, primarily residential mortgages. Third Federal also offers IRAs, annuities, and mutual funds, as well as retirement and college savings plans. TFS subsidiary Third Capital owns stakes in commercial real estate, private equity funds, and similar investments. Mutual holding company Third Federal Savings and Loan Association of Cleveland owns some three-fourths of TFS Financial.

Tower Financial is the holding company for Tower Bank & Trust, which was formed in 1999 to fill the void in community banking services left in the wake of the consolidation of local banks into national banking companies. Targeting individuals and small to midsized businesses, the bank has some six branches and loan production offices, mainly in and around Fort Wayne. It focuses mainly on commercial lending, with business mortgages and operating loans making up around three-quarters of its loan portfolio. It also issues residential mortgages and personal loans. Deposit products include checking, savings, and money market accounts, and CDs.

Wintrust Financial is a midsized financial holding company engaged in personal and commercial banking, wealth management, and specialty lending services in the metropolitan Chicago area and southern Wisconsin, including Milwaukee. It operates about 15 community bank subsidiaries (many bearing the name of the community they serve) with more than 75 branches in all. The banks offers traditional deposit services and emphasize business and commercial real estate loans, which account for about half of the company's loan portfolio. The company provides financing for commercial insurance and ife insurance premiums throughFirst Insurance Funding.

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