Enterprise Bancorp, Inc. operates as the holding company for Enterprise Bank and Trust Company that provides various banking products and services primarily in Merrimack Valley and north central regions of Massachusetts, and south central New Hampshire. Enterprise Bancorp, Inc. offers deposit products, which include personal interest checking accounts, savings accounts, money market accounts, individual retirement accounts, and certificates of deposits to the general public; and commercial checking, business and municipal savings accounts, money market and business sweep accounts, and escrow management accounts, as well as checking and simplified employee pension accounts to the employees of its business customers. Its loan portfolio comprises commercial mortgage loans, construction and land development loans, secured and unsecured commercial loans and lines of credit, and standby letters of credit to businesses; and residential mortgage loans, home equity loans, residential construction loans on primary residences, secured and unsecured personal loans, and lines of credit to individuals. In addition, Enterprise Bancorp, Inc. offers investment advisory and management services to individuals, family groups, businesses, trusts, foundations, non-profit organizations, and endowments and retirement plans; trust services to high net worth individuals, institutions, and businesses; insurance products, including property and casualty, employee benefits, and risk-management solutions; and cash management, online banking, and treasury management services, as well as non-deposit investment products and services. As of December 31, 2009, it operated 17 full service branch offices in Acton, Andover, Billerica, Chelmsford, Dracut, Fitchburg, Leominster, Lowell, Methuen, Tewksbury, and Westford, Massachusetts; and Derry and Salem, New Hampshire. Enterprise Bancorp, Inc. was founded in 1989 and is headquartered in Lowell, Massachusetts.

Velocity Commercial Capital has a deal for you. The specialty finance company acquires and originates commercial real estate loans up to $3 million for small businesses. Its average loan is less than $400,000. It currently holds mortgages for more than 300 properties, 30% of which are in California. Its loan portfolio includes multi-family housing, retail space, mixed-use developments, warehouses, offices, industrial complexes, restaurants, and mobile home parks. Velocity Commercial Capital does not make construction loans or lend for undeveloped land. The company, which filed to go public in 2010, intends to qualify as a real estate investment trust (REIT).

National Australia Bank Limited, through its subsidiaries, provides a range of financial products and services. Its deposit products include term deposits, certificates of deposit, and on-demand and short-term deposits. The company’s lending portfolio consists of home loans, personal loans, car loans, project loans, student loans, personal overdrafts, margin lending, and investment loans. It offers personal banking products and services, including credit cards, savings accounts, and NAB visa debit; insurance products comprising car insurance, home and contents insurance, residential investment, life insurance, income protection, loan protection, travel insurance, and health insurance; and investment products and services consisting of financial planning, superannuation investments, retirement products, and investment funds, as well as online share trading services. The company also provides business banking products and services comprising day to day banking; credit, charge, purchase, and corporate cards for businesses; finance and loan services, including managing cashflow and funding seasonal fluctuations; short and medium term investments; insurance services for businesses, assets, and employees; international trade; and corporate banking services. It has operations in Australia, Europe, New Zealand, the United States, and Asia. National Australia Bank Limited was founded in 1834 and is based in Docklands, Australia.

The year was 1910 when the men in the photograph at left gathered at the Strawberry Market in Mount Olive, North Carolina. Their local bank, The Bank of Mount Olive, was nine years old at the time, and reflected the values of the day. It was a place where their money was safe and earned good interest. A place where they were treated as friends and respected as individuals.

Harleysville Savings Financial is the holding company of Harleysville Savings Bank, which operates about a half-dozen branches in southeastern Pennsylvania's Montgomery County. The bank offers standard deposit products such as checking and savings accounts, CDs, and IRAs. Its lending activities consist primarily of single-family residential mortgages, which account for more than two-thirds of the company's loan portfolio; home equity loans account for nearly 15%. To a lesser extent, Harleysville Savings Bank also originates commercial mortgages, residential construction loans, and consumer lines of credit.

First Franklin Corporation operates as the holding company for The Franklin Savings and Loan Company that offers a range of banking products and services in Ohio. Its deposit products include savings accounts, checking accounts, money market accounts, fixed interest rate certificates of deposit with varying maturities, and individual retirement accounts. The company offers conventional first mortgage loans for the purpose of purchasing, refinancing, or constructing one-to four-family residential real property; multi-family residential and nonresidential real estate loans; consumer loans for personal, family, or household purposes, as well as for automobiles, boats, recreational vehicles, and education; and home equity and commercial lines of credit. It also invests in mortgage-backed securities and collateralized mortgage obligations, as well as offers credit card, automated teller machine, voice response telephone inquiry system, and Internet-based banking system services. First Franklin Corporation operates one office in Cincinnati, Ohio; and seven full service branches in Hamilton County, Ohio. First Franklin Corporation was founded in 1883 and is based in Cincinnati, Ohio.

First Hawaiian Bank is Hawaii’s largest and oldest bank offering our customers service, solutions and security for over 152 years. Consistently ranked in the top tier of all U.S. banks, First Hawaiian is a full-service bank providing personal, private and business banking services including equipment leasing, automobile financing, mortgage and commercial lending, merchant services, trust, insurance, wealth management and retirement planning. For generations, customers have come to rely on First Hawaiian for all of their financial needs.

BancorpSouth, Inc. operates as a financial holding company for BancorpSouth Bank that provides commercial banking and financial services to individuals, and small-to-medium sized businesses in Mississippi, Tennessee, Alabama, Arkansas, Texas, Louisiana, Florida, Missouri, and Illinois. It generates interest bearing and noninterest bearing demand deposits, and saving and time deposits. The company provides various commercial loan services, including term loans, lines of credit, equipment and receivable financing, and agricultural loans, as well as a range of short-to-medium term secured and unsecured commercial loans to businesses for working capital, business expansion, and the purchase of equipment and machinery. Its residential consumer lending activities consist of the origination of fixed and adjustable rate residential mortgage loans secured by owner-occupied property, construction loans, second mortgage loans, and home equity lines of credit; and non-residential consumer lending activities comprise automobile loans, recreation vehicle loans, boat loans, secured and unsecured personal loans, deposit account secured loans, and student loans. BancorpSouth, Inc. also serves as an agent in the sale of title insurance; commercial lines of insurance; and a line of property and casualty, life, health, and employee benefit products and services. In addition, it offers investment services comprising brokerage, investment advisory, and asset management services; and trust services, including personal trust and estate services, and employee benefit accounts and plans, such as individual retirement accounts and corporate trust functions. As of December 31, 2009, BancorpSouth operated approximately 310 commercial banking, trust, and insurance business offices. BancorpSouth, Inc. was founded in 1876 and is headquartered in Tupelo, Mississippi.

Chicopee Bancorp, Inc. operates as the holding company for Chicopee Savings Bank that provides various financial services to individuals and businesses in Western Massachusetts. The company’s deposit products include non-interest-bearing demand accounts, such as checking accounts; interest-bearing accounts, which include NOW and money market deposit accounts; regular savings accounts, such as passbook accounts; and certificates of deposit. Its loan portfolio comprises one-to four-family; multi-family; commercial real estate; commercial business; construction and development; and consumer loans, including home equity lines of credit and automobile loans. In addition, it offers non-deposit investment products, including mutual funds, debt, equity and government securities, retirement accounts, insurance products, and fixed and variable annuities. As of March 31, 2010, the company operated main office; lending and operations center; and seven branch offices located in Chicopee, Ludlow, South Hadley, Ware, and West Springfield. Chicopee Bancorp, Inc. was founded in 1845 and is headquartered in Chicopee, Massachusetts.

Singapore bank Oversea-Chinese Banking Corporation (OCBC) operates more than 530 branches and offices in 15 countries, including some 410 offices in Indonesia through its PT Bank NISP subsidiary. The company offers traditional banking services for individuals and businesses, as well as financial services such as brokerage and asset management. Subsidiary Great Eastern Holdings, which provides life and property/casualty insurance, is the largest insurance company in Singapore and Malaysia. OCBC Bank was founded in 1912 to serve the Chinese business community of Singapore and other parts of Asia, but now serves the general public.

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