Heritage Bankshares, Inc. is headquartered in Norfolk, Virginia. Heritage Bankshares, Inc. operates as the bank holding company for Heritage Bank that offers commercial and retail banking services to individuals and small to medium sized businesses in Chesapeake, Norfolk, and Virginia Beach, Virginia. Heritage Bankshares, Inc. accepts various deposits, which include noninterest-bearing checking accounts, interest-bearing checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. Its loan portfolio consists of construction and real estate loans; loans to individuals for personal, household, and family purposes; working capital loans, financing of facilities, and equipment purchase loans for businesses; commercial business loans; land acquisition and development loans; and home equity, consumer, and residential mortgage loans. In addition, Heritage Bankshares, Inc. offers insurance and investment services. As of December 31, 2009, it operated from seven locations.

Boxed in by leasing contracts? Balboa Capital smoothes out the rocky process. With leases that feature "plain English" documentation, the company provides equipment leasing and financing to small and midsized businesses throughout the US, including medical and other professional practices. Equipment includes new and used business machines, furniture, software, and vehicles as well as some medical equipment. Lease amounts range from $150,000 to $50 million; many leases can be applied for online, and are often approved in a few hours. Founder and CEO Patrick Byrne owns Balboa Capital.

First National Bank was organized and chartered by the State of West Virginia in 1888 as The Bank of Ronceverte. This was a result of a meeting of the Board of Directors on April 24, 1888. A resolution was adopted and members were instructed to locate a place of business for the bank in Ronceverte. On April 30, 1900, the bank received a national charter from the Comptroller of the Currency and the name was changed to First National Bank of Ronceverte. It was reorganized after the Great Depression and, with the implementation of the National Banking Act of 1933, became FDIC insured. From 1933 until January 1996, the bank was known as The First National Bank in Ronceverte and is now known as First National Bank.

AgFirst Farm Credit Bank provides funding and financial services to 22 Agricultural Credit Associations (ACAs) in 15 eastern states and Puerto Rico. These associations, operating as Farm Credit and Ag Credit associations, provide real estate and production financing to more than 80,000 farmers, agribusinesses, and rural homeowners. AgFirst reported assets of $30.08 billion as of September 30, 2009. AgFirst also operates a growing Capital Markets unit that arranges and participates in loans for agribusinesses across the nation, and a Correspondent Lending Market department that buys, sells and services rural home and agricultural loans.

Forget Elsie. S.Y. Bancorp is more interested in a cash cow. It's the holding company of Stock Yards Bank & Trust, which operates about 30 branches primarily in and around Louisville, Kentucky, but also in Indianapolis and Cincinnati. Founded in 1904, the bank targets individuals and regional business customers, offering standard retail services such as checking and savings accounts, credit cards, certificates of deposit, and IRAs. Trust services are also available; brokerage and credit card services are offered through agreements with other banks. Real estate mortgages account for about 50% of the bank's loan portfolio, which also includes commercial (25%), construction, and consumer loans.

Central Bancompany's commitment to the customer starts with our people. Our team is dedicated to providing financial services that help our customers reach their financial goals. We invest in the communities where we live through charitable contributions, employee volunteerism and civic leadership. Our community involvement helps us better understand the needs of our customers. Local management gives us the guidance to react to the needs of our customers quickly and with the flexibility to exceed their expectations.

FNBH Bancorp is the holding company for First National Bank of Howell, which serves individuals and local businesses through nearly ten branches in Livingston County, Michigan, west of Detroit. The bank offers traditional deposit products such as checking and savings accounts, in addition to trust, investment, and wealth management services. Commercial loans, including loans for land development, new home construction, and business leasing, comprise about 85% of the company's loan portfolio. Founded in 1934, the bank has traditionally served rural communities, but has seen its market become increasingly suburban.

Riverview Bancorp is the holding company for Riverview Community Bank, which operates about 20 branches located primarily in the Columbia River Gorge area of Washington State and Oregon. Serving consumers and local businesses, the bank offers such standard retail banking services as checking and savings accounts, money market accounts, NOW accounts, and CDs. Commercial construction and commercial real estate loans account for nearly 90% of its lending portfolio, which also includes residential mortgages, residential construction loans, and other consumer loans. Trust and investment services are provided through the company's Riverview Asset Management Corp. Riverview Community Bank was founded in 1923.

Century Bancorp is the holding company for Century Bank and Trust, which serves Boston and surrounding parts of northeastern Massachusetts from more than 20 branches. The bank offers standard deposit products, including checking, savings, and money market accounts; CDs; and IRAs. More than 40% of the company's loan portfolio is dedicated to commercial real estate. The bank also writes residential mortgages, construction and land development loans, business loans, and home equity loans. It offers brokerage services through an agreement with third-party provider LPL Financial.

Northfield Bancorp is the holding company for Northfield Bank. Its retail offerings include checking, savings, and retirement accounts; CDs; mortgage and home equity loans; life insurance; and credit cards. Its commercial offerings include checking and money market accounts, commercial lending, and business credit cards. Bank subsidiary NSB Realty Trust holds mortgage loans and other investments. Founded in 1887, Northfield Bank operates some 20 branches in New York and New Jersey. Currently controlled by a mutual holding company, Northfield Bancorp is undergoing demutualization.

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