Banco BPI, S.A. is engaged in a wide range of investment banking and commercial banking activities. Investment-related services offered by the bank include corporate finance, equities, treasury and bonds, asset management, private banking, and venture capital. Its commercial business includes banking for individuals, companies, and institutions, and the usual array of lending, leasing and mortgaging, and credit services. Banco BPI serves about 1.5 million customers through some 700 branches across Portugal, as well as about 35 investment centers and various other operations. The company has insurance partnerships in Portugal with Allianz and Cosec.

CNB Financial is the holding company for CNB Bank (formerly County National Bank), which provides traditional deposit and loan services through more than 20 branches and two loan production offices in northwestern and central Pennsylvania. In 2005 the company opened ERIEBANK, a division of CNB Bank, in Erie, Pennsylvania. Commercial, financial, and agricultural loans make up more than 35% of CNB Financial's loan portfolio, which also includes residential mortgages (about 30%) and commercial mortgages (more than 25%). Other offerings include credit cards, investments, life insurance, wealth management, and merchant credit card processing.

Blackhawk Bancorp, Inc. operates as the holding company of Blackhawk State Bank, a commercial bank operating in Wisconsin and Illinois in the United States. The bank provides various consumer banking, business banking, and related financial services. Consumer banking services to individuals include demand, savings, and time deposits. Consumer lending services include installment loans, mortgage loans, overdraft protection, personal lines of credit, and credit cards. The business banking services, which are provided to small business, commercial, and governmental organizations, include commercial and commercial real estate lending, deposits, cash management, and letters of credit. The bank’s investment portfolio consists primarily of U.S. government and agency securities, mutual funds, corporate bonds, mortgage-backed securities, collateralized mortgage obligations, and municipal bonds or repurchase agreements backed by similar securities. The bank’s deposits are divided between interest bearing and noninterest bearing. Noninterest bearing deposits consist of checking accounts of individuals, businesses, and governmental organizations. The interest-bearing deposits include savings accounts, money market deposit accounts, certificates of deposit, individual retirement accounts, and NOW accounts. As of December 31, 2003, the bank operated 11 branches in Wisconsin and Illinois. Blackhawk Bancorp was incorporated in 1989 and is based in Beloit, Wisconsin.

Rurban Financial is the holding company for State Bank and Trust, which has more than 20 branches in northwestern Ohio and another in northeastern Indiana. The banks offer products, including checking and savings accounts, money market accounts, credit cards, IRAs, and CDs. Commercial and agricultural loans account for approximately two-thirds of the company's loan portfolio; the bank also writes mortgage and consumer loans. Reliance Financial Services, a unit of State Bank and Trust, offers trust and investment management services, as well as brokerage services through an alliance with Raymond James. Subsidiary RDSI Banking Systems offers commercial bank data processing and item processing services.

Guaranty Bancorp (formerly Centennial Bank Holdings) knows a thing or two about dollars and cents. After all, it's the holding company for Colorado's Guaranty Bank and Trust. The bank operates about 35 branches, primarily in the metropolitan Denver and North Front Range areas. Guaranty Bank and Trust offers traditional checking, savings, money market, and NOW accounts as well as IRAs. Real estate mortgages and business loans each make up more than one-third of a loan portfolio that also includes construction and other types of consumer and business loans. In 2008 the company merged subsidiary Centennial Bank of the West into Guaranty Bank and Trust and, following suit, changed its own name.

Community Partners Bancorp is the holding company for Two River Community Bank and The Town Bank (a division of Two River). Through more than a dozen total branches located in eastern New Jersey , the two banks offer deposit services like checking and savings accounts, as well as a variety of lending services, to consumers and small to midsized businesses. The banks' combined loan portfolio consists mainly of commercial real estate loans (about 40%), commercial and industrial loans (25%), and construction loans (20%). Consumer and residential loans make up only about 10% of the portfolio. Two River's branches are located in Middletown, while Town Bank's are located in Westfield and Cranford.

Aozora (which means blue sky in Japanese) was the second Japanese credit bank nationalized in the wake of Asia's financial crisis after the Long-Term Credit Bank of Japan (now Shinsei Bank). Bad loans and Japan's "Big Bang" financial deregulation added to its troubles. Now a full-service commercial bank, Aozora has some 20 branches in Japan and three offices overseas. In addition to insurance and trust services, Aozora Bank provides a wide range of business loans for medium and large corporations, asset management, investment advisory services and securitization. Aozora and Shinsei called off their plans to merge in 2010.

Susquehanna Bancshares rolls down the eastern seaboard. It is the holding company for Susquehanna Bank, which serves individuals and regional businesses through more than 220 branches in south-central and southeastern Pennsylvania, Maryland, New Jersey, and West Virginia. The bank offers standard services such as deposit products, loans, and credit cards, while non-banking subsidiaries provide wealth management, insurance brokerage and employee benefits, commercial finance, and vehicle leasing. Loans secured by commercial real estate account for more than 30% of the bank's portfolio; residential mortgages and business loans are more than 20% apiece.

The Etruscans started it all for Rome, but Banca Popolare dell'Etruria e del Lazio (Banca Etruria) serves central and northern Italy through approximately 200 branches, including those of subsidiaries Banca Federico del Vecchio and Banca Lecchese (acquired in 2006 and 2008, respectively). The company divides its banking operations into three segments: retail, private, and corporate. In addition to traditional deposit and loan products, the bank offers leasing, insurance, asset management, real estate management, and business consulting services. Banca Etruria is also one of Italy's foremost gold lenders, financing the purchase of more than 10 tons of the commodity annually.

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