Security Federal is the holding company for Security Federal Bank, which has about a dozen offices in southwestern South Carolina's Aiken and Lexington counties. It expanded into Columbia, South Carolina and eastern Georgia in 2007. The bank offers checking and savings accounts, credit cards, CDs, IRAs, and other retail products and services. Commercial business and mortgage loans make up more than 60% of the company's lending portfolio, which also includes residential mortgages (about 25%), and consumer loans. Security Federal also offers trust services, investments, and life, home, and auto insurance.

Barclays PLC provides financial services in Europe, the United States, Africa, and Asia. It offers retail and commercial banking, credit cards, investment banking, and wealth management services. The companys products include current account and savings products, Woolwich branded mortgages, general insurance, unsecured loan and protection products, commercial loans, installment finance, credit cards, and bancassurance products. It also offers money transmission, asset financing and leasing, wealth management, international and private banking, fiduciary, investment management, brokerage, and investment advisory services.

S&T Bancorp is the bank holding company for S&T Bank, which serves customers from more than 50 branch offices in western Pennsylvania. Targeting individuals and local businesses, the bank offers such standard retail products as checking, savings, and money market accounts; CDs; and credit cards. Business loans, including commercial mortgages, make up more than two-thirds of the company's loan portfolio; the bank also originates residential mortgages, construction loans, and consumer loans. Through subsidiaries, S&T Bank sells life, disability, and property/casualty insurance; provides investment management services; and manages the Stewart Capital family of mutual funds.

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.

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.

Unity Bancorp wants to keep you and your money united. The institution is the holding company for Unity Bank, a commercial bank that serves small and midsized businesses, as well as individual consumers, through nearly 20 offices in north-central New Jersey and eastern Pennsylvania. Unity Bank's deposit products include checking, savings, money market, and NOW accounts, and CDs. Lending to businesses is the company's life blood: Commercial loans, including Small Business Administration (SBA) and real estate loans, account for about 60% of its loan portfolio, which is rounded out by residential mortgage and consumer loans.

Southern Michigan Bancorp is the holding company for Southern Michigan Bank & Trust, which operates about 20 branches in a primarily rural area near Michigan's border with Indiana and Ohio. The bank provides standard deposit services, such as checking and savings accounts, money market and heath savings accounts, CDs, and IRAs. It originates commercial, financial, agricultural, consumer, and mortgage loans. The banks also offers trust and investment services. Southern Michigan Bank & Trust got its start in the room of a hotel named Southern Michigan Hotel in 1872.

IBW Financial Corporation operates as the holding company of Industrial Bank, National Association (Bank). The Bank provides a range of commercial and consumer lending services primarily to individuals and small businesses. It also offers a variety of loans for the needs of small businesses, including accounts receivable lines of credit, Small Business Administration loans, and equipment loans. The Bank also provides a range of deposit services to its customers, including personal checking; low activity student checking.

Timberland Bancorp is the holding company for Timberland Savings Bank, which operates more than 20 branches in western Washington. The bank targets individuals and regional businesses, offering checking, savings, and money market accounts, and CDs. The bank concentrates on real estate lending, including commercial and residential mortgages, multifamily residential loans, and land develoment loans; it also writes business loans and other types of loans. Timberland Savings Bank was founded in 1915 as a savings and loan.

San Diegans like their money sunny-side up. San Diego County Credit Union operates more than two dozens branches that offer standard deposit services such as checking and savings accounts, money market accounts, and certificates of deposit. The credit union also offers home, auto, and business loans, Visa credit cards, and individual retirement accounts. It opened in 1938 as San Diego County Employees' Credit Union, a one-branch operation serving local government employees. It opened its membership to all residents of San Diego county in the 1970s, dropped the "Employees'" from its name, and today serves more than 200,000 members in Southern California's San Diego, Riverside, and Orange counties.

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