smile internet bank can absolutely, positively, guarantee its customers service with a...click. A bank with grins rather than branches, smile services the needs of its customers around the UK by offering fully automated, online checking and savings accounts, loans, mortgages, credit cards, and trust funds, among other things. Founded in 1999, smile is part of the Co-operative Financial Services (CFS) unit of Co-operative Group (CWS) Limited. It acts as a business segment of Co-operative Bank, which is also part of the CFS unit.

Los Alamos National Bank was established in June 1963 by a group of local investors who saw the need for a convenient, full-service community bank. Now one of the largest and strongest banks in the state, LANB continues to be locally owned and operated by Trinity Capital Corporation, a one-bank holding company. We are committed to our customers and to those activities that foster a better quality of life in the communities they serve.

Steiermarkische Bank und Sparkassen AG, known among English speakers as Bank Styria, is one of the largest and oldest banks in southern Austria, with more than 140 offices. Bank Styria also has subsidiaries or joint ventures in Bosnia and Herzgovinia, Croatia, Macedonia, Montenegro, Serbia, and Slovenia, as it expands throughout southeast Europe. (It has its sights set on the Czech Republic, Hungary, Romania, and Slovakia.) Steiermarkische bank bought Investbanka in Croatia in 2008. The majority of its lending business is focused on real estate and leasing. Bank Styria has also been growing its pensions business. Erste Bank owns 25% of Bank Styria.

Hingham Institution for Savings is a haven for wayward cash. The company has about 10 branches in Boston's south shore communities, operating in Boston, Cohasset, Hingham, Hull, Norwell, Scituate, South Hingham, and South Weymouth, Massachusetts. Founded in 1834, the bank offers traditional deposit products such as checking and savings accounts, NOW accounts, IRAs, and certificates of deposit. Its loan portfolio is roughly split between commercial mortgages and residential mortgages (including home equity loans). To a far lesser extent, the bank also originates construction, business, and consumer loans.

NBT Bank and its Pennstar Bank division, which together operate about 120 branches in central and upstate New York, northeastern Pennsylvania, and Burlington, Vermont. The community banks offer such standard products and services as checking, savings, and money market accounts; CDs; and trust services. The company's lending activities are dominated by business and commercial real estate loans. Other subsidiaries offer insurance, financial and retirement planning, and investment products. Its NBT Capital subsidiary provides venture funding to area businesses.

MutualFirst Financial is the holding company for MutualFirst Bank, which has more than 30 financial centers and trust offices in northern Indiana and a loan production office in southern Michigan. The bank offers standard products and services such as checking and savings accounts, CDs, IRAs, and credit cards. More than 40% of the company's loan portfolio is devoted to residential mortgages. Consumer loans, including auto, boat, RV home equity, and home improvement loans, account for about 25%. Business loans also make up about a quarter of the MutualFirst's loan portfolio.

UCO Bank provides commercial banking services to India. Established in 1943, UCO has 35 regional offices and nearly 2,000 branches throughout the country. The bank also operates two major international financial centers in Hong Kong and Singapore. It also has offices in China and Malaysia. In addition to offering commercial banking, UCO handles foreign exchange business in more than 50 different locations throughout the country and offers foreign exchange dealing at four specialized centers. UCO has been particularly involved in financing activities in the agricultural, industrial, trade and commerce, service, and infrastructure sectors. The Indian government controls nearly 75% of the bank's listed shares.

LaPorte Bancorp hopes to be the door to savings. It was formed in 2007 to be the holding company for The LaPorte Savings Bank, which serves individuals and businesses through nearly 10 branches in northwestern Indiana. Founded in 1871, the bank offers standard deposit services such as checking and savings accounts, CDs, and IRAs. Real estate loans, including residential and commercial mortgages, account for about three-quarters of the bank's loan portfolio. Business loans and consumer loans such as home equity and auto loans round out its lending activities. The bank also offers trust and investment services. Mutual holding company LaPorte Savings Bank, MHC owns a majority of LaPorte Bancorp's stock.

Monarch Financial Holdings, Inc. serves the South Hampton Roads area of southeastern Virginia through Monarch Bank, Monarch Mortgage, Monarch Capital, Monarch Investment, and OBXBank. With about 10 offices, Monarch Bank offers standard services, including savings and checking accounts, IRAs, and CDS. Bank subsidiary Monarch Mortgage, formed in 2007, has about a dozen offices. Other divisions sell insurance, title, and investment products. Single-family mortgages make up the largest portion of the company's loan portfolio, which also includes commercial, construction, and land development loans. Monarch Bank division OBX Bank operates in North Carolina's Outer Banks area.

San Diegans like their money sunny-side up. San Diego County Credit Union operates more than two dozens branches that offer standard deposit services such as checking and savings accounts, money market accounts, and certificates of deposit. The credit union also offers home, auto, and business loans, Visa credit cards, and individual retirement accounts. It opened in 1938 as San Diego County Employees' Credit Union, a one-branch operation serving local government employees. It opened its membership to all residents of San Diego county in the 1970s, dropped the "Employees'" from its name, and today serves more than 200,000 members in Southern California's San Diego, Riverside, and Orange counties.

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