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Jeffersonville Bancorp is the holding company for The First National Bank of Jeffersonville. The bank serves businesses and consumers through about 10 locations in southeastern New York's Sullivan County. First National Bank of Jeffersonville offers such standard retail services as demand deposit, savings, and money market accounts; NOW accounts; CDs; and IRAs to fund a variety of loans. Nearly 40% of the bank's loan portfolio consists of residential mortgages, while commercial mortgages account for another 35%. The bank also provides home equity, business, consumer, construction, and agricultural loans.

Juniata Valley Financial may be the place for you. The institution is the holding company for Juniata Valley Bank, which serves central Pennsylvania from about a dozen banking locations. The bank offers standard deposit products and services, including checking and savings accounts, money market accounts, IRAs, and CDs. It also provides credit card services and originates a variety of consumer and business loans. Consumer loans make about 70% of its loan portfolio. Additionally, Juniata Valley Bank sells insurance and investment products. Juniata Valley Bank was established in 1867.

Lakeland Bancorp is shoring up in the Garden State. It's the holding company for Lakeland Bank, which serves northern New Jersey from about 50 branch offices. Targeting individuals and small to midsized businesses, the bank offers standard retail products such as checking and savings accounts, money market and NOW accounts, and CDs. It also offers financial planning and advisory services for consumers. The bank's lending activities primarily consist of commercial loans (about half of the company's loan portfolio) and residential mortgages (about a third of all loans). Its Lakeland Bank Equipment Leasing Division offers commercial equipment lease financing.

Lyons Bancorp is king of the financial jungle. It's the holding company for The Lyons National Bank, which serves individuals and businesses from nine locations. Chartered in 1852 as the Lyons Bank of Palmyra, it offers standard retail products and services, including checking and savings accounts, CDs, and IRAs. Residential and commercial mortgages together account for more than half of the bank's loan portfolio; other offerings include agricultural, business, and consumer loans. Subsidiary Lyons Realty is a real estate investment trust that holds a portfolio of mortgages. Subsidiary LNB Life Agency provides financial products and services to bank customers.

Magyar Bancorp is the holding company for Magyar Bank, which serves central New Jersey individuals and businesses through about a half-dozen offices. The bank offers standard deposit products including checking and savings accounts, NOW accounts, and CDs. It uses these funds to originate loans and invest in securities. Magyar Bank focuses on real estate lending, including construction loans, residential and commercial mortgages, and home equity loans, which altogether account for about 90% of its loan portfolio. Mutual holding company Magyar Bancorp, MHC, owns 56% of Magyar Bancorp.

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