Cambridge Bancorp is the holding company for Cambridge Trust Company, a community bank serving Cambridge, Massachusetts, and the Greater Boston area from about ten locations. It offers standard retail products and services including checking and savings accounts, CDs, IRAs, and credit cards. Residential mortgages, including home equity loans, account for more than half of the company's loan portfolio; commercial real estate loans make up approximately one-third. The company also offers commercial, industrial, and consumer loans. Cambridge Trust Company was established in 1892.

Central Bancorp is the holding company for Central Co-operative Bank. Operating as Central Bank, it serves Middlesex County in the northwestern suburbs of Boston through about 10 bank branches and loan centers. The bank's primary business is gathering deposits by offering NOW, money market, checking, and savings accounts; CDs; and retirement savings plans. It primarily uses these funds to originate commercial mortgages (more than half of all loans in the company's portfolio, up from 20% in 2001). Residential mortgages have gone down from around 70% to less than 40% since then. The bank also offers construction, home equity, business, and consumer loans, as well as credit cards.

CNB Financial is the holding company for CNB Bank (formerly County National Bank), which provides traditional deposit and loan services through more than 20 branches and two loan production offices in northwestern and central Pennsylvania. In 2005 the company opened ERIEBANK, a division of CNB Bank, in Erie, Pennsylvania. Commercial, financial, and agricultural loans make up more than 35% of CNB Financial's loan portfolio, which also includes residential mortgages (about 30%) and commercial mortgages (more than 25%). Other offerings include credit cards, investments, life insurance, wealth management, and merchant credit card processing.

The Russian banking arm of Citigroup, ZAO Citibank operates some 60 branches and 200 ATMs, primarily in Moscow and St. Petersburg. The bank offers deposit and lending products, credit cards, wealth management, investment services. Additionally, the company offers various insurance products including credit and life coverage. ZAO Citibank was established in 1993; it was one of the first foreign banks to enter Russia's market.

Orchard First Source Capital (OFS) plants its money in companies and watches the interest grow. OFS offers lending services to middle-market companies and private equity firms operating in North America. Its loans, which are provided in support of restructurings, recapitalizations, leveraged buyouts, acquisitions, and other business transactions, include revolving lines of credit, term loans, and asset-based loans. The firm serves various industries, typically lending to companies with annual revenues of more than $30 million. It occasionally partners with other financial institutions for larger transactions. In 2009 OFS terminated a deal to acquire 80% of cash-strapped Beverly Hills Bancorp.

High Country Bancorp are a full-service financial institution delivering banking and investment solutions for both consumers and businesses alike. Chartered in 1886, we have insight based on experience; however, we continue to embrace new opportunities for building futures together. High Country Bank is a state chartered commercial bank. We continue to serve the Chaffee and Fremont counties of Colorado with offices in Salida, Buena Vista, and Canon City.

IKB Deutsche Industriebank supplies long-term financing and consulting services to established small and middle-market businesses. IKB's products and services include funding for infrastructure investment projects, restructuring consultancy, derivatives, capital markets services, and mergers and acquisitions. The company also furnishes lease financing toward machinery, vehicles, and other assets. It operates primarily in Germany, but also has a presence in France, England, and Spain. In 2008 the global economic crisis took a toll on IKB Deutsche Industriebank and the bank was bailed out by Germany's financial sector. US-based private equity firm Lone Star Funds subsequently acquired the bank.

California First National Bancorp (CalFirst) wants to be first on your mind when it comes to meeting your equipment leasing needs. Through subsidiaries Amplicon and California First Leasing (CalFirst Leasing), the firm leases mainly computers and software. It also leases retail point-of-sale systems, ATMs, telecommunications equipment, office furniture, and other equipment. CalFirst also operates California First National Bank (CalFirst Bank), a branchless retail bank that accepts deposits through the mail, by phone, or over the Internet. CEO Patrick Paddon owns 64% of the company.

First Bancshares is hoping you'll remember it for its banks. Iowa First Bancshares is the holding company for First National Bank of Muscatine (founded in 1870) and First National Bank in Fairfield (founded in 1865 and acquired by Iowa First Bancshares in 1985). The banks, which operate eight branches in the two southeastern Iowa towns for which they're named, offer individuals and businesses checking, savings, money market, and time deposit accounts, as well as other traditional products and services including loans, trust services, debit cards, credit-related insurance, Internet and telephone banking, and brokerage services.

United Financial Bancorp is the holding company for United Bank, which operates about 20 branches serving residents and businesses in western Massachusetts. It offers such standard deposit products as CDs and checking, money market, NOW, retirement, and savings accounts. Deposits are United Bank's primary source of funds for its lending activities, which focus on residential mortgages, commercial real estate loans, and home equity loans. To a lesser extent, the bank provides business, construction, and consumer loans. Its United Wealth Management Group provides investments and financial planning services.

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