Old Point Financial is the holding company for Old Point National Bank of Phoebus, which has more than 20 branches in the Hampton Roads region of southeastern Virginia. Founded in 1923, the bank serves area businesses and consumers, offering such services as checking and savings accounts, money market accounts, and CDs. With these funds, the bank mainly originates commercial and residential mortgages, which account for a majority of its loans. Subsidiary Old Point Trust & Financial Services provides investment management and tax, estate, and retirement planning services. Old Point Trust & Financial Services owns about 20% of the company. Chairman and CEO Robert Shuford Sr. owns about 12%.

One of Russia's larger banks, Rosbank offers corporate banking services (its core product) as well as retail banking, investment banking, asset management, and private banking services. The bank also runs treasury-related operations and offers credit card and various other loan services. Founded in 1992, Rosbank serves large and middle-market clients; however, about 70% of the bank's corporate clients consist of SMEs (small and medium enterprises). With a presence in more than 70 regions in Russia, Rosbank operates about 65 branches and hundreds of retail outlets. French bank Société Générale owns about two-thirds of Rosbank. Russian bank VTB acquired nearly 20% of the company in 2010.

American Chartered Bank is the premier bank in the northwest suburban corridor. Our mission is to provide customers with the best value in banking products and services, and to provide superlative customer service at all times. This can only be accomplished by hiring personnel of the highest caliber -- intelligent, adaptable, skilled, and committed to our standards of excellence.

Southern Connecticut Bancorp is the holding company for The Bank of Southern Connecticut, which serves greater New Haven from about five locations. The bank offers standard deposit products, such as checking and savings accounts, CDs, and IRAs. It is mainly a business lender, with operating loans and commercial loans secured by real estate comprising about 90% of the company's loan portfolio. Construction, consumer installment, and home equity loans round out its lending activities. Southern Connecticut Bancorp and Naugatuck Valley Financial called off plans to merge in 2010.

Guaranty Federal Bancshares, Inc. operates as the holding company for Guaranty Federal Savings Bank that provides banking services in Greene and Christian Counties in southwest Missouri. Its deposit products include fixed-term certificates of deposit, savings, money market, individual retirement accounts, and NOW (checking) accounts. The company’s loan portfolio comprises commercial real estate loans, multi-family residential mortgage loans, construction loans, permanent one-to four-family residential mortgage loans, business loans, consumer loans, and other loans consisting of loans secured by certificates of deposit, home equity loans, and automobile loans. It operates through a main office in Springfield, Greene County; six full-service branch offices and an operations center in Springfield; two full-service branch offices in Nixa, Christian County; and one full-service branch office in Ozark, Christian County, as well as maintains a network of 22 automated teller machines. Guaranty Federal Bancshares, Inc. was founded in 1913 and is based in Springfield, Missouri.

Newport Bancorp provides a big spread of financial services to the tiniest US state. It is the holding company for Newport Federal Savings Bank, which offers traditional deposit services like savings and checking accounts to both consumers and business owners through branches in Newport, Middletown, Wakefield, and Westerly, Rhode Island. The bank's lending portfolio includes auto and other personal loans and lines of credit, as well as real estate-related home equity, construction, commercial mortgage, and one- to four-family residential loans (the bank's largest segment). The bank's roots date back to 1888.

Arbor Commercial Mortgage is a national direct lender that provides debt and equity capital for the multifamily, commercial real estate and health care industries. We have extensive experience in mortgage origination and servicing and have built a reputation for service, quality and flexibility. Arbor’s seasoned management team specializes in debt and equity financing for multifamily, office, retail, hotel and various other commercial real estate properties. We are a Top Ten Fannie Mae DUS® lender and a Top Fannie Mae DUS® Small Loan lender. Arbor offers a vast array of Fannie Mae products including financing for market-rate and affordable apartments, cooperatives, student housing and manufactured housing.Arbor is also licensed by the Department of Housing and Urban Development (HUD) to administer HUD’s FHA mortgage insurance programs for long-term, non-recourse financing for market rate and affordable apartments and cooperatives, assisted living facilities, skilled nursing facilities, and seniors housing. Currently, Arbor services a multi-billion dollar portfolio of over 1,000 commercial real estate loans and is a third-party servicer rated by Standard and Poor’s and Fitch Ratings for both primary and special servicing. Arbor is headquartered in Uniondale, NY and New York, NY, with full-service lending offices nationwide.

The Governor and Company of the Bank of Ireland provides banking and other financial services to small and medium-sized commercial and industrial companies in Ireland and internationally. The company’s products include interest and non-interest bearing current accounts; demand and time deposit accounts; loans to customers, including overdrafts, installment credit and finance lease receivables, business and corporate lending, mortgage loans for house purchases, as well as home improvement and secured personal loans to existing mortgage customers. It also provides international asset financing, leasing, debt factoring, foreign exchange facilities, interest and exchange rate hedging instruments, executor and trustee services, life assurance/pension/investment fund management, fund administration and custodial services, telephone and online banking, and financial advisory services, including mergers and acquisitions, and underwriting. As of March 31, 2009, the company operated in Ireland through 248 full time branches and 1,292 ATMs. The Governor and Company of the Bank of Ireland was founded in 1783 and is headquartered in Dublin, Ireland.

SinoPac is packing away financial services in Asia and on the US west coast. The holding company owns Bank SinoPac, which has about 130 branches in Taiwan. Bank SinoPac was created in 2006 after the merger of a bank by that name and International Bank of Taipei, or IBT. In the US, SinoPac Bancorp owns Far East National Bank, which serves California's Asian-American community through more than a dozen branches. Other holdings include SinoPac Securities, which offers brokerage services, corporate financing, and underwriting. The company's SinoPac Credit Cards unit has issued more than 1.7 million cards. SinoPac Holdings' subsidiaries also have operations in China, Hong Kong, Macao, the UK, and Vietnam.

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.

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