FirstFed Bancorp is the holding company for First Financial Bank, which has about 10 branches in central Alabama. The bank offers standard deposit products such as checking, savings, and money market accounts; IRAs; and CDs. With funds from deposits it originates loans in its market area, which includes Bibb, Jefferson, Shelby, and Tuscaloosa counties. First Financial's lending activities primarily consist of commercial real estate loans, single-family residential mortgages, and construction and land development loans. The bank also writes business and consumer loans.

The largest bank in Israel, Bank Hapoalim caters to individual, commercial, and corporate clients at home and abroad. Within Israel, the Bank Hapoalim Group has more than 270 full-service branches and business centers. Another 30 express branches are in the works. Overseas, it has about 45 branches, correspondent offices, and financial subsidiaries in Asia, Australia, Europe, Latin America, and North America; its international focus is on private banking and the corporate sector. Bank Hapoalim provides investment banking services including the underwriting of and investment in companies; it also provides trust services to individuals and businesses.

Heritage Commerce Corp operates as a bank holding company for Heritage Bank of Commerce that provides various commercial and personal banking services to residents and the business/professional community in California. It offers deposit products, including checking accounts, interest-bearing transaction accounts, savings accounts, time deposits, retirement accounts, non-interest-bearing demand accounts, savings accounts, and money market deposit accounts for retail and business banking markets. The company also provides commercial loans for working capital, financing the purchase of equipment, or for other business purposes; real estate term loans, and real estate land and construction loans; consumer loans for the purpose of financing automobiles, various types of consumer goods, and other personal purposes; home equity lines of credit; and small business administration loans. In addition, it offers cashier’s checks, traveler’s checks, bank-by-mail, automated teller machine, night depository, safe deposit boxes, direct deposits, automated payroll, electronic funds transfers, online banking, and other customary banking services. As of December 31, 2009, the company operated 10 full service branches in San Jose, Los Gatos, Fremont, Danville, Pleasanton, Walnut Creek, Morgan Hill, Gilroy, Mountain View, and Los Altos. It also operated loan production offices in Sacramento, Oakland, and Santa Rosa. The company was founded in 1993 and is based in San Jose, California.

NASB Financial is the holding company for North American Savings Bank, which operates about 15 branches and loan offices in the Kansas City area. Established in 1927, the bank offers a range of deposit products to retail and commercial customers, including checking, savings, and money market accounts and CDs. Its lending activities are fairly evenly split between mortgages secured by residential, commercial, and development properties. Subsidiary Nor-Am sells annuities, mutual funds, and credit life and disability insurance. Chairman David Hancock and his wife Linda (a board member) own a majority of NASB Financial.

Credit Industriel et Commercial, commonly known as CIC, is made up of seven banks that serve Paris and five other regions of France. The company offers savings accounts, mortgages, and loans; it also owns stakes in specialized entities involved in private banking, asset management, leasing, securities brokerage, and property/casualty insurance. CIC serves more than 3 million retail customers and 100,000 business clients through about 1,900 offices in France. The bank also has representative offices in some 35 countries around the world. Entities affiliated with French banking group Credit Mutuel own more than 90% of CIC.

Founded in 1882 as Japan's central bank, the Bank of Japan primarily issues banknotes and acts as a treasurer for the government. The bank is responsible for implementing lending rate changes as well as maintaining fluctuations in reserve requirements. It also compiles data and performs research and analysis pertaining to the overall economy. The bank's policy board meets about a dozen times each year to make decisions on monetary policies, which are then carried out by the Bank of Japan's providing and absorbing funds into the market.

Jacksonville Bancorp, the holding company for Jacksonville Bank, which has about 10 branches in and around Jacksonville, Florida. The community bank offers standard deposit products, including checking and savings accounts, money market accounts, CDs, and IRAs. Commercial mortgages make up more than half of the bank's loan portfolio; residential mortgages account for most of the rest. Subsidiary Fountain Financial sells insurance and investment products. The company nearly doubled its branch network with its 2010 acquisition of Atlantic BancGroup. Jacksonville Bancorp is unrelated to the Illinois corporation of the same name.

First Citizens Bancorporation is the holding company for First Citizens Bank and Trust Company, which has nearly 200 branches in South Carolina and Georgia, and The Exchange Bank of South Carolina, which has four branches. The banks provide standard products and services for individuals and businesses, including checking and savings accounts, credit cards, investments, and online banking. Residential and commercial mortgages comprise most of First Citizens Bancorporation's loan portfolio. Lease financing and construction, business, land, and consumer loans help to round out the banks' lending activities.

Community Bank System is right up front about what it is. The holding company owns Community Bank, which operates about 150 branches across nearly 30 counties in upstate New York and five counties in northeastern Pennsylvania, where it operates as First Liberty Bank and Trust. Focusing on small, underserved towns, the bank offers such services as checking and savings, money market, and NOW accounts. The bank's loan portfolio is divided nearly equally among business loans, residential mortgages, and consumer loans. Community Bank System also provides trust services, brokerage services, investment management, insurance products, and employee benefits plan administration.

Univest Corporation of Pennsylvania will keep your money close to its vest. The holding company for Univest National Bank and Trust serves the Keystone State's southeast region. The bank has more than 30 traditional and supermarket branch locations and provides standard retail and commercial banking services. Real estate loans account for nearly 80% of the company's lending portfolio; it also offers business loans, municipal loans, and personal loans. Subsidiaries Univest Capital provides commercial financing, while Univest Investments offers investment advisory services. Univest Insurance offers commercial and personal insurance covering workers' compensation, property, automobiles, life, and health.

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