ACNB Corporation, through its subsidiaries, provides banking and financial services to individuals and businesses. It accepts various deposit products, such as interest bearing demand, non-interest bearing demand, savings, and time deposits. ACNB Corporation also provides commercial lending products, including real estate development and construction, accounts receivable and inventory financing, and agricultural loans, as well as commercial mortgages; consumer lending programs, which comprise home equity loans and lines of credit, automobile and recreational vehicle loans, manufactured housing loans, and personal lines of credit; and mortgage lending programs, such as personal residential mortgages, residential construction loans, and investment mortgage loans. In addition, it offers trust services, such as investment, protection, management, and distribution of financial assets; estate settlement; and other services, including services under testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, and powers of attorney. Further, ACNB Corporation operates as an insurance agency that provides a range of property and casualty, life, and health insurance to commercial and individual clients; and engages in the business of reinsuring credit life and credit accident, and disability risks. As of December 31, 2009, it operated 21 retail banking offices in Adams, Cumberland, and York Counties, Pennsylvania, as well as 2 loan production offices in York and Franklin Counties, Pennsylvania. ACNB Corporation is headquartered in Gettysburg, Pennsylvania.

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.

Randolph-Brooks Federal Credit Union (RBFCU) provides deposit and lending services, including checking and savings accounts and loans for homes, cars, education, and consumer goods. Serving more than 280,000 members, RBFCU has about 30 Texas locations in San Antonio, Austin, and nearby communities. Other products offered by the credit union include business loans, MasterCard credit cards, and term certificates. Through its Randolph Brooks Services Group subsidiary, the credit union offers investment and insurance products such as mutual funds, IRAs, annuities, dental benefits, home warranties, roadside assistance programs, and financial planning services.

St. Galler Kantonalbank (SGKB) is one of Switzerland's largest cantonal banks, or banks backed by regional governments (in this case, St. Galler and Appenzell Ausserrhoden cantons). Customers include individuals, institutions, and retailers. In the cantonal system, more than 20 banks compete for the 30% of market share not hogged by commercial giants Credit Suisse and UBS. In 2006 SGKB entered into an agreement with Luzerner Kantonalbank for the development of IT for both banks. Founded in 1868, SKGB floated as a public company in 2001. Some 60% of the company is owned by the Canton of St. Galler. It acquired Anglo Irish Bank (Suisse) AG, subsidiary of Anglo Irish Bank in 2008.

CSB Bancorp is the holding company for The Commercial and Savings Bank, which serves Holmes and Tuscarawas counties and surrounding areas of east-central Ohio from about a dozen branches. Founded in 1879, the bank offers traditional products such as checking and savings accounts and CDs, as well as credit cards, trust services, estate planning, and corporate and individual retirement plans. Its loan portfolio is composed mostly of residential and commercial mortgages; the bank also originates business, construction, and consumer installment loans. CSB Bancorp bought another area community bank, the three-branch Indian Village Community Bank, in 2008.

Capitol Federal Financial operates as the holding company for Capitol Federal Savings Bank, which provides various banking services in Kansas. Capitol Federal Financial offers a range of deposit products, such as savings accounts, money market accounts, interest bearing and non-interest bearing checking accounts, and certificates of deposit. Its lending products include consumer loans comprising home equity loans and lines of credit, home improvement loans, auto loans, and loans secured by savings deposits; loans secured by first mortgages on non-owner-occupied one- to four-family residences; and commercial and multi-family real estate loans, as well as construction loans secured by residential or commercial properties. The company principally serves metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina, as well as a portion of the metropolitan area of greater Kansas City. As of September 30, 2009, it operated 42 branches. Capitol Federal Financial was founded in 1893 and is headquartered in Topeka, Kansas.

1st Constitution Bancorp is the parent of 1st Constitution Bank, which serves consumers, small businesses, and not-for-profits through about a dozen branches in Middlesex, Mercer, and Somerset counties in New Jersey. Services and products include demand, savings, and time deposits, as well as loans and mortgages. Commercial mortgages, business loans, and construction loans make up more than 60% of the company's lending portfolio. Directors and executive offices of 1st Constitution Bancorp own about 15% of the company.

Westamerica Bank, chartered in 1884, also originates construction, residential mortgage, and consumer loans.Annie get your checkbook? Maybe not as wild as Buffalo Bill's West, but Westamerica Bancorporation still shoots high with its subsidiary Westamerica Bank. The bank operates more than 90 branches in northern and central California. It offers individuals and businesses such standard fare as checking and savings accounts, as well as electronic banking, trust services, and credit cards. It focuses on the banking needs of small businesses; business loans and commercial mortgages together account for more than half of the company's loan portfolio.

PB Capital doesn't know peanuts about sandwiches, but it can help jell your real estate portfolio. A subsidiary of Deutsche Postbank and a member of the Deutsche Post group, the company specializes in commercial real estate services in North America, providing financing for the construction and acquisition of office, retail, industrial, multifamily rental, and residential condominium properties. Its credit investments division deals in the bond, loan, and credit derivatives markets on behalf of large and middle-market corporate clients. PB Capital, which first opened in New York in 1976, also provides interest rate, currency, and asset/liability management services.

Since 1933, Navy Federal has grown from seven members to over 3 million members. And since that time, our vision statement has remained the same You can leave the military, change employers, move, retire, get married—and never have to leave Navy Federal. "Once a member, always a member." This policy undoubtedly has helped NFCU become one of the nation's largest credit unions, claiming more than 3 million members who can retain their credit union privileges even after discharge from the armed services. Formed in 1933, NFCU provides a variety of financial services to all Department of Defense uniformed personnel, reservists, National Guard personnel, civilian employees, and contractors, as well as their families

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