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CENTRAL PENN BUSINESS JOURNAL’S

Financial2016 report

Digging deep How banks are adapting to a slow-growth economy and lower interest rates

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2 FINANCIAL REPORT 2016 Central Penn Business Journal 1500 Paxton St., Harrisburg, PA 17104 717-236-4300 • www.cpbj.com

Financial2016 report

Publisher Scott S. Downs NEWS Editor Joel Berg Managing Editor Cathy Hirko Managing Editor, Design Chris Beck Contents Web Editor Nicole Chynoweth Staff reporters Roger DuPuis (Cumberland County, manufacturing, distribution and energy) 4|A NEW NORMAL David O’Connor (York County, nonprofits, education, workforce) Banks emphasize customer service, financial advice in uncertain economy Lenay Ruhl (Lancaster County, health care, agribusiness) Jason Scott (Dauphin County, state government, real estate and construction, media and marketing) 7|THE STUDENT LOAN DILEMMA Photographer Banks focus on education, new programs, to stem tide of education debt Amy Spangler Researcher Alaine Keisling DESIGN Operations Director Chad Pickard 10|CYBER HYGIENE Contributing designers A Q&A with James Deitch, co-founder and CEO of Lancaster-based Zackary Barber banking and financial consulting firm Teraverde Amanda Eisner Mark Lockley AUDIENCE DEVELOPMENT Vice President Zander Gambill Manager 12|APP-EALING OPTION Sherry Andersen FNB one of few to offer mobile banking for business customers Specialist Carlin Luz Coordinator Raquel Campbell ADVERTISING Associate Publisher ShaunJude McCoach Account Executives LISTS Paul Chin Banks...... 14 Michele Engle Credit unions...... 16 Christiana Sternberg Economic development organizations...... 18 Lynn Stickler SBA lenders...... 19

COVER ILLUSTRATION/THINKSTOCK, CHRIS BECK

www.CPBJ.com FINANCIAL REPORT 2016 3 JUNE 2006 AUGUST 2007 5.25 percent 5.25 percent

MAY 2005 JANUARY 2008 3 percent 3 percent

FALLING FLAT The federal funds rate is the interest rate banks charge each other on overnight loans made between accounts they keep at the Federal Reserve. The interest represents a basic cost of doing business and can influence the rates that banks charge customers for business and personal loans. The Federal Open Market Committee sets a target for the federal funds rate, not the rate itself. The target peaked most recently in 2006, hitting 5.25 percent. It fell steadily from there, dropping to near zero by the end of 2008, when the financial crash was at its worst. The rate has stayed low ever since. Fed officials have expressed interest in moving it higher, but uncertainty in the global economy has JUNE 2003 stayed their hands. 1 percent This graph shows how rates have moved since June 2003, when the Federal Funds target was 1 percent, set in the wake of the slowdown following DECEMBER 2008 the terrorist attacks of Sept. 11, 2001. 0-0.25 percent

GRAPHIC/ CHRIS BECK 2004 2005 2006 2007 2008 2009 SOURCE: FEDERAL RESERVE

4 FINANCIAL REPORT 2016 Central Penn Business Journal A new Banks emphasize customer service, normal financial advice in uncertain economy By Dorine Bethea Contributing writer

rrstown Bank has invested mil- UP TO THE CHALLENGE lions of dollars in technology, In the face of all these regulatory and competitive challeng- and plans by mid-October to es, bankers in the midstate have managed to position their introduce a new electronic teller institutions well enough, in many instances, to continue earn- system for customers. ing and growing profits. The coupling of technology Bankers cite their products, customer service, talented and customer service is helping employees, financial advisers and even new opportunities the bank stand out, said Orrstown emerging after bank acquisitions. There have been nine ac- president and CEO Thomas R. Quinn. The bank, he said, aims quisitions affecting Central Pennsylvania over the past three Oto offer existing and potential clients a consultative approach. years. “Customers are looking for a financial services partner, And more are likely. Jeff Marsico, of the Kafafian Group, meaning someone who is going to help them really make sure anticipates there will be 10 percent to 20 percent fewer banks they are making the best decisions or most informed deci- in the next three years. sions they can,” Quinn said. “People gravitate towards folks in The survivors will focus on their technology and their businesses that really are looking out for the customers’ best branch networks. interest. We strive to do that.” “These two things are linked,” Marsico said. The emphasis on customer service and financial advice is Banks need to manage both technology and physical offic- one of the ways that bankers in Central Pennsylvania are ad- es to maintain their competitive edge. justing to today’s improving but uncertain economy. “If you close a branch in a town and you have an archaic They also are coping with an extended period of historical- technology platform, it is tougher to get customers to stick with ly low interest rates, a situation that tends to pinch profit mar- your bank,” Marsico explained. “But if you close a branch in gins for banks, as they have to charge less for loans. a town and have an up-to-date or state-of-the-art technology On top of the financial pressure is a regulatory burden, platform, it is easy to tell your customers ‘you can do this on which has gotten heavier in the wake of the financial crisis your mobile phone,’ ‘you can do this on your laptop. You don’t and recession of 2008. Bankers face the challenge of comply- necessarily have to come into the branch but should you need ing with financial regulations under the Dodd-Frank act. to come into the branch, we have one 10 miles away.’”

DECEMBER 2015 DECEMBER 2008 0.25-0.50 percent 0-0.25 percent 2010 2011 2012 2013 2014 2015

www.CPBJ.com FINANCIAL REPORT 2016 5 Community banks — like Orrstown — are keeping up by using third-party vendors to upgrade and, in some cases, install technol- 2017 BOOK OF LISTS ogy. Interest rates are more challenging to negotiate. Access Granted. “The greatest burden on banks,” Marsico said, “is the pressure from customers due to competition to do longer-term lower-yield loans, which will end up causing interest rate risk problems in the future.” Every environment has its challenges, and the challenges are different at every bank. “There’s no doubt that the current interest From architecture to website rate scenario puts pressure on our earnings,” said Phil Wenger, design, local business executives of Fulton Bank, which is headquartered in Pennsylvania and has count on the Book of Lists for subsidiary banks in Maryland, Delaware and Virginia. “It’s a very competitive environment because rates are so low.” ACCESS to their unique business Indeed, profit growth has been slow at Fulton Bank. But when needs. This annual publication the Federal Reserve enacted a 0.25-percent increase in short-term features over 100 categories of rates late last year, earnings rose. This year’s second-quarter earn- business and data on nearly 3,000 ings were 9 to 10 percent higher than last year’s, Wenger said. The bank is “uniquely positioned,” he said, because it offers “a local companies. Our readers level of service that small businesses really like” and “that the larger have come to trust the book as banks tend not to do.” In other words, Fulton Bank can provide the an easy-to-use business resource service of a smaller bank but the products of a larger bank. “Our tool. Your advertising message size puts us in a really good position to compete.” “It’s about the relationships that we can develop, the long-term will be seen by over 43,000 consistency that we provide in our service, the expertise in our peo- business executives who use this ple and the depth of our products and services,” Wenger said. publication to get ACCESS to Low interest rates are nothing new for Bank of Bird-In-Hand, companies like yours every year. based in Leacock Township, Lancaster County. The bank opened in December 2013 — five years after the Great Recession, which led to financial reform and the long-standing, low-interest rate environment it is competing in today. Even this institution — which had no legacy software it needed to upgrade — now has state-of-the-art technology. Beyond technology, Alan Dakey, president and CEO, said the community bank has a positive reputation for its lending expertise and its ability to process loan applications more quickly than larger banks. “Having a blend of both fixed- and variable-rate loans has been helpful,” said Dakey, former president of Mid Penn Bank in Millers- burg. “Quality is still critical. We have not stretched to gain yield at the expense of quality.” To help ensure Orrstown keeps getting it right, Quinn said it hosted a conference of millennials, many of whom are new patrons or potential customers that are technologically savvy. They use smart phones and tablets with ease. “We’ve aligned our services in many ways with the changing de- mographics to really make sure that our products will align with all of the different market segments that we wanted to address and to uncover any leaks or gaps in our offering,” he said. Quinn sees an opening following recent mergers and acquisitions, including BB&T Corp.’s takeover of the former Susquehanna Bank, a longtime powerhouse in Lancaster County. “That’s an opportunity,” Quinn said. “Customers are reevaluating the new bank For advertising rates and information contact and its presents an opportunity for banks to fill a need.”l Shaun McCoach at 717-236-4300 or email [email protected].

Arriving the week of February 6th. www.cpbj.com

6 FINANCIAL REPORT 2016 Central Penn Business Journal The student loan dilemma

Banks focus on education, By Michael Sadowski [email protected] new programs to stem tide of education debt hile debt of nearly every kind has shrunk in the U.S. since the recession W in 2008, student-loan debt is an outlier that keeps growing at alarming rates. The volume has grown almost four-fold since the mid-2000s, rising from about $350 billion to $1.3 trillion, according to the Federal Reserve Bank of New York, which tracks student loan debt. The causes include higher tuition rates (up more than 45 percent at private, four-year colleges between 2000 and 2016, according to CollegeBoard. com) and more students attending college (15.3 million in 2000 versus 20.2 million in 2015, according to the Digest of Education Statistics). To alleviate the burden, financial institutions are angling to provide more outreach and loan programs to students and their families before, during and after the college experience.

www.CPBJ.com FINANCIAL REPORT 2016 7 About two years ago, executives at Citizens Bank WEIGHED DOWN of Pennsylvania recognized the direction education Average debt of graduates with loans debt was trending and set a goal not just to get a foot in Pennsylvania (class of 2004 and in the marketplace, but to help its customers at the class of 2014): same time. “I’m not sure when the magical moment was $19,556 2004 when we realized, ‘OK, we have a real need here,” said Steve Johnson, retail banking director for west- $33,264 ern and Central Pennsylvania for Citizens Bank of 2014 Pennsylvania, which has 22 branches in Cumber- States with the highest per-graduate average debt levels for the class of 2014: land, Dauphin, Lancaster and York counties. “But we started reading about it and looking at what we STATE AVERAGE DEBT OF GRADUATES can do.” Delaware $33,808 The bank devised a number of student loan pro- New Hampshire $33,410 grams, including an education refinance loan for Pennsylvania $33,264 student borrowers with federal and private loans. Rhode Island $31,841 The program allows customers to refinance student Minnesota $31,579 debt with offers of a fixed rate or a lower monthly Maine $30,908 payment. Connecticut $29,750 The bank also offers a program to consolidate private and federal student debt, a program John- Iowa $29,732 son said can save as much as $137 per month for a Michigan $29,450 borrower. Alabama $29,425 Also on the menu is the CollegeSaver account, a SOURCE: THE INSTITUTE FOR COLLEGE ACCESS AND SUCCESS

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8 FINANCIAL REPORT 2016 Central Penn Business Journal product to help families get an early dent loan products — like a program nancial goals. start on college savings. With a month- that reduces the interest rate on a The credit union hasn’t focused on ly contribution of $25 before a child loan payment after graduation — but new lending programs, but instead has turns 6, the account provides a bonus Vasquez said much of what the bank focused on scholarship programs and of $1,000 when the child turns 18. does focuses on education so students educational tools, Gray said. He said “At the end of the day, yes, it’s going know what they’re getting into when it the credit union has provided more to help us make some more loans,” comes to college expenses. than $200,000 in scholarships at the Carpenter said. “But at the same time, “We partner with high schools all 25 higher education institutions it has it’s being attentive to our customers’ over the country,” he said. “We have relationships with. needs.” packets of information on how to One of the newest educational pro- Traditional financial institutions, pay for college that don’t include any grams from the credit union is “Now however, hold a very small amount mentions of our products. It gives What? — Repaying Student Loans.” of education debt. Jason Vasquez, a high school counselors the leverage to The program helps students under- spokesperson for Wells Fargo & Co., make sure students are asking all the stand what they owe, what the repay- said students and parents turn to relevant questions in their higher edu- ment terms will be and how they can banks only when they have exhausted cation goals.” plan to repay it. all of the federal and state channels, as Christopher Gray, government “Once students have an under- well as scholarships. relations manager at the Pennsylva- standing of the total financial picture, Financial institutions hold about nia State Employees Credit Union we can help them create a realistic $102 billion of the $1.3 trillion in edu- (PSECU), said the credit union has a spending plan that includes their stu- cation debt — roughly about 8 percent heavy presence on college campuses dent loans,” Gray said. “Knowledge is of the market — Vasquez said. Wells across the state. Because of that, he power, and we will continue to provide Fargo has about $12 billion, he said. said, PSECU feels it is “extremely our members the best financial re- Wells Fargo does have some stu- important” to help students with fi- sources.”l

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www.CPBJ.com FINANCIAL REPORT 2016 9 Cyber hygiene in a mobile PHOTO/AMY SPANGLER world A Q&A with James Deitch, co-founder and CEO of Lancaster-based Teraverde

By Brendan Raleigh caster-based banking and financial payment systems and theft of data. Contributing writer consulting firm Teraverde, James Payment system threats include credit Deitch advises financial institutions card skimmers in merchants and at espite the vigorous defense on how to increase efficiency and ATMs. Stolen payment card infor- mounted every day by U.S. profitability. Improving cybersecurity mation (PCI) trades at $3 to $8 per companies, cyber attacks are D is among the most essential tasks in account. Theft of data can be accom- becoming more common and more this process. plished through insertion of malware, costly with every passing year. Deitch, a former bank CEO, spoke to insider theft or other breaches. Finan- And the trend shows little sign of the CPBJ on how to best combat one of cial account information (FAI) and reversing. this century’s fastest growing crimes. personally identifiable information A 2015 study by analysts at Juni- (PII) are worth $5-$15 per account. per Research predicted that with the Why do you think cybercrime PCI, FAI and PII trade on the ‘dark increasing digitization of financial Qand high-profile data breaches w e b ’. transactions, the damage done by data have been increasing over recent breaches will rise to $2.1 trillion glob- years? How do cyber threats in banking dif- ally by 2019 – four times their cost in Cybercrime is big business. The fer between desktop computing and 2015. AWorld Economic Forum put the the increasingly popular mobile envi- Financial services is the worldwide cost at $400 billion. The risk ronment? third-most-targeted industry, behind of being caught is low, and the rewards Regarding mobile banking applica- health care and manufacturing. are high. Knowledge of how to exploit tions, the level of security is comparable With finance and business in general systems is rapidly proliferating. Success to desktop computing, with the proviso moving toward a more mobile-focused is relatively easy to attain. that care is needed with unsecured environment, tighter security on mobile wifi available in airports, hotels, coffee transactions has become a necessity for Are there any new types of threats shops etc. Unsecured networks ele- any company hoping to stand a chance that have emerged recently for banks vate overall information security risk, against cyber threats. and their customers? whether using email, web or mobile As co-founder and CEO of Lan- Threats to banks revolve around banking.

10 FINANCIAL REPORT 2016 Central Penn Business Journal How much money and data are usu- banking application as on a desktop. I features such as enabling macros or ally lost in cyberattacks? Do threats personally use mobile banking appli- stealing your login credentials. Over on mobile devices have more or less cations from two banks. 90 percent of hacks start with social potential to do damage than attacks engineering, so simple protocols can on desktops? What is ‘cyber hygiene’ and what significantly reduce threats. For com- About 3,100 breaches were con- does good cyber hygiene typically panies, social engineering testing, firmed in 2015. The average cost of entail? training and hardening are cost-effec- each breach was about $7 million. In Good cyber hygiene, at an in- tive investments. addition, hundreds of thousands of dividual level, is straightforward: smaller incidents, usually credit card Don’t open email or attachments What is the current distribution be- or payment fraud, occur each year. All from unknown senders. Be mindful tween banking done on home com- told, hacking probably cost the Unit- that websites can insert malware puters and banking done on mobile ed States economy more than $50 simply by clicking on links, so avoid devices? How do you predict this billion of losses. unknown or suspicious websites. will evolve in the future? Leave any website immediately if you Mobile banking is rapidly evolving, Would you recommend that banks experience unexpected requests for and some banking experts see 50 per- and their customers continue using information or are asked to ‘enable cent of the banking transaction volume desktops, or is it safe to migrate to macros’ or ‘enable JavaScript’ etc. occurring on mobile or mobile-en- mobile devices? Don’t use unsecured wifi connections abled devices in less than five years. Banks are heavily regulated and in airports, hotels or coffee shops. Adoption is largely generationally driv- are sensitive to information security Be mindful that phishing emails en: Millennial users have much higher issues. A customer likely has the same attempt to get you to respond with mobile usage than boomers. The ease level of security overall on a mobile private information, or enable certain of use drives this trend.l

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ho needs one more app on a smart- phone crammed with screen after W screen of those little square icons? The commercial banking clients of First National Bank. The bank’s new app, FNB Busi- ness, is something the company said clients were looking for. “This is one of those situations in which the client needs matched very nicely with the capabilities that we had,” said Mark Sul- livan, FNB’s director of treasury management. While retail customers are accustomed to banking on their phones, it is still relatively new territory for business customers — and the banks that cater to them. More than two thirds of financial institutions, about 69 percent, offer an app for consumers, but less than 2 percent have one specifically tailored for businesses, according to a study by Texas software company Malauzai Software. The company surveyed 7,754 banks and credit unions with assets between $50 million and $15 billion. Customer demand drove Pittsburgh-based First National to join that group, though it is larger than those surveyed by Malauzai. The bank has $21 billion in assets and more than 300 branches in Pennsylvania, Maryland, Ohio and West Vir- ginia. THINKSTOCK

12 FINANCIAL REPORT 2016 Central Penn Business Journal Many of FNB’s commercial bank- What’s “ramped up” in this new said, and staff members are routinely ing clients are small and mid-sized app, Sullivan said, is the convenience meeting in person with customers. companies. In many cases, key and flexibility. “They want to access This enables them to get direct feed- people are responsible for many when they want to and how they back from clients about what they different aspects of the company, want,” he said. need and what they’d like to be able Sullivan said. So someone in charge The app hasn’t been a hard sale, to do. of keeping an eye on accounts might Sullivan said. And while it is still FNB is then able to turn it around be traveling much of the day for sales early on in the app’s deployment, into product options — like FNB calls or operations and not have ac- he said the response so far has been Business — if the features don’t al- cess to a laptop or desktop. positive. ready exist, Sullivan said. Retail customers, of course, can But FNB figured that might be the “It’s a great feedback loop from turn to their phones, whether they case, as the company began testing client to us to development of tech- are in line at the supermarket or the app in a pilot program with cli- nology,” he said. watching their children play soccer. ents who said they found it to have For its clients, efficiency is a word FNB wanted the same conve- many benefits. FNB keeps hearing. Having a push nience for its commercial clients. “It’s what we thought they would notification option on the app tells They already had access to an on- feel,” Sullivan said. “Ease of access, clients when something needs to be line banking platform called Execu- fully featured. Clients can use it to done, allowing the employees to act banc. The mobile app brings the ca- initiate transactions, monitor ac- more quickly, Sullivan noted. pabilities of the online platform into count activity or mitigate potential “Innovation is one of our core a user’s hands. Executives can check issues with fraud. It’s all encompass- values at FNB,” Sullivan said. “We are balances, transfer money between ing.” always looking for new ways to im- accounts, and view transactions and The FNB team has a lot of direct prove the customer experience and checks. interaction with clients, Sullivan to make banking more convenient.”l

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www.CPBJ.com FINANCIAL REPORT 2016 13 F-M_CPBJ County Report_2-16_V2.2.indd 1 2/16/2016 12:41:02 PM Banks Ranked by local deposits

Rank Prev. Company Local deposits Top local executive Website Local/total locations Parent company rank Address as of June 30, Title Local/toll-free phone Headquarters 2015/2014 Year established % of deposit locally change

1 BRANCH BANKING AND TRUST CO. $5.07 billion Craig Kauffman www.bbt.net 86/248 BB&T Corp. 1 DBA BB&T B $4.85 billion Regional president 717-735-8730 Winston-Salem, 1570 Manheim Pike, P.O. Box 3300 4.65% 800-226-5228 N.C. Lancaster, PA 17604-3300 1901 2 FULTON BANK $4.98 billion Craig A. Roda www.fultonbank.com 62/117 Fulton Financial Corp. 2 1 Penn Square, P.O. Box 4887 $4.61 billion Chairman and CEO 717-291-2411 Lancaster Lancaster, PA 17604 8.14% 800-385-8664 1882

3 MANUFACTURERS & TRADERS TRUST $4.57 billion Stephen Foreman www.mtb.com 75/709 M&T Bank Corp. 3 CO. DBA M&T BANK $4.6 billion Regional president DNR Buffalo, N.Y. 213 Market St. -0.56% 800-724-2440 1856 Harrisburg, PA 17101 4 PNC BANK $4.04 billion Jim Hoehn www.pncbank.com 75/2,821 PNC Financial Services 4 4242 Carlisle Pike $3.96 billion Regional president 717-703-9157 Pittsburgh Group Inc. Camp Hill, PA 17011 1.9% 888-762-2265 1904

5 WELLS FARGO BANK $2.94 billion Lauren Tobiassen www.wellsfargo.com 39/6,310 Wells Fargo & Co. 5 600 Penn St., Fourth Floor $2.76 billion Area president 610-655-2900 Sioux Falls, S.D. Reading, PA 19602 6.58% 800-834-3280 2001

7 SANTANDER BANK $1.45 billion John Allen www.sovereignbank.com 47/702 Banco Santander 6 1130 Berkshire Blvd. $1.39 billion Regional president 610-320-8400 Wyomissing, Berks Wyomissing, PA 19610 4.24% 877-768-2265 Co. 1987 8 CITIZENS BANK OF PENNSYLVANIA $1.1 billion Daniel K. Fitzpatrick www.citizensbank.com 22/372 Royal Bank of Scotland 7 2 N. Second St. $976.24 million Regional president 717-777-3351 Providence, R.I. Group Harrisburg, PA 17101 12.5% and CEO 800-922-9999 2001

9 ORRSTOWN BANK $940.14 million Thomas R. Quinn Jr. www.orrstown.com 22/23 Orrstown Financial 8 77 E. King St., P.O. Box 250 $958.82 million President and CEO 717-530-2297 Shippensburg Services Inc. Shippensburg, PA 17257-1307 -1.95% 888-677-7869 1919

10 PEOPLESBANK $896.57 million A. Dwight Utz www.peoplesbanknet.com 19/26 Codorus Valley Bancorp 9 105 Leader Heights Road, P.O. Box 2887 $902.86 million President and CEO 717-846-1970 York Twp. Inc. York, PA 17405-2887 -0.7% 888-846-1970 1864

11 ACNB BANK $878.13 million Thomas A. Ritter www.acnb.com 20/20 ACNB Corp. 10 16 Lincoln Square, P.O. Box 3129 $827.27 million CEO 717-334-3161 Gettysburg Gettysburg, PA 17325-3129 6.15% 888-334-2262 1857

12 FARMERS & MERCHANTS TRUST CO. $830.65 million William E. Snell Jr. www.fmtrustonline.com 23/28 Franklin Financial 11 DBA F&M TRUST $811.4 million President and CEO 717-261-3547 Chambersburg Services Corp. 20 S. Main St., P.O. Box 6010 2.37% 888-264-6116 1906 Chambersburg, PA 17201-6010 14 EPHRATA NATIONAL BANK $702.66 million Aaron L. Groff Jr. www.ephratanationalbank.com 13/13 ENB Financial Corp. 12 31 E. Main St., P.O. Box 457 $683.81 million Chairman, president 717-733-4181 Ephrata Ephrata, PA 17522-0457 2.76% and CEO 877-773-6605 1881

13 S&T BANK C $700.65 million Lola Lamnatos www.integritybankonline.com 8/63 S&T Bancorp Inc. 13 3314 Market St. $735.2 million Regional manager 717-920-4900 Indiana Camp Hill, PA 17011-4465 -4.7% 877-442-8348 2003

15 MID PENN BANK $581.29 million Rory G. Ritrievi www.midpennbank.com 14/20 Mid Penn Bancorp Inc. 14 349 Union St. $569.25 million President and CEO 717-692-2133 Millersburg Millersburg, PA 17061-1611 2.12% 866-642-7736 1868

16 NORTHWEST SAVINGS BANK $489.41 million Nancy May www.northwestsavingsbank.com 21/166 Northwest Bancshares 15 547 S. 10th St. $495.69 million Regional president 717-272-7639 Warren, Warren Co. Inc. Lebanon, PA 17042-6607 -1.27% 877-672-5678 1989

DBA-doing business as DNR-did not respond NA-not applicable NR-not ranked The Central Penn Business Journal's list of banks is limited to those with branches in Adams, Researched by Alaine Keisling Cumberland, Dauphin, Franklin, Lancaster, Lebanon, Perry or York counties. The ranking criteria was obtained from a market-share report from the Federal Deposit Insurance Corp. Other information was obtained from the banks themselves and other Business Journal research. To access the Business Journal's online database, visit www.CPBJ.com/ListCentral. Surveys available at www.CPBJsurveys.info; follow @CPBJListCentral on Twitter Published Jan. 22, 2016; updated Sept. 6, 2016. B Previously ranked as Susquehanna Bank C Previously ranked as Integrity Bank

14 FINANCIAL REPORT 2016 Central Penn Business Journal Banks Ranked by local deposits

17 UNION COMMUNITY BANK $395.25 million Gregory E. Diehl www.unioncommunitybank.com 13/13 Donegal Financial 16 101 E. Main St., P.O. Box 567 $430.2 million CEO 717-492-2222 Lancaster Services Corp. and Mount Joy, PA 17552 -8.12% 877-653-1441 1853 Donegal Group Inc.

18 JONESTOWN BANK & TRUST CO. $385.23 million Troy A. Peters www.bankjbt.com 12/12 NA 17 2 W. Market St., P.O. Box 717 $371 million President and CEO 717-274-5180 Jonestown Jonestown, PA 17038-0717 3.84% 1873

19 ATLANTIC CENTRAL BANKERS BANK $378.11 million Jon Evans www.atlanticcentral.com 1/2 NA 18 1400 Market St. $350.8 million President and CEO 717-737-9335 Camp Hill Camp Hill, PA 17011 7.78% 1983

20 NATIONAL PENN BANK B $324.83 million Tom Jordan www.natpennbank.com 7/117 National Penn 19 Philadelphia and Reading avenues $311.59 million Lancaster region DNR Allentown Bancshares Inc. P.O. Box 547 4.25% president 800-822-3321 1874 Boyertown, PA 19512-0547 21 CENTRIC BANK $291.64 million Patricia A. Husic www.centricbank.com 4/4 Centric Financial Corp. 20 4320 Linglestown Road, P.O. Box 62090 $289.54 million President and CEO 717-909-8309 Lower Paxton Twp. Harrisburg, PA 17106-2090 0.72% 2007

22 YORK TRADITIONS BANK $267.85 million Michael E. Kochenour www.yorktraditionsbank.com 5/5 NA 21 226 Pauline Drive, P.O. Box 3658 $237.96 million Founder, chairman 717-741-1770 York Twp. York, PA 17402-0136 12.56% and CEO 877-741-1770 2002

24 BANK OF LANDISBURG $211.8 million Thomas W. Cook www.banko andisburg.com 3/3 NA 22 Routes 850 and 233 $210.98 million CEO 717-789-3213 Landisburg Landisburg, PA 17040 0.39% 1903

23 RIVERVIEW BANK $210.91 million Kirk A. Fox www.riverviewnational.com 7/15 Riverview Financial Corp. 23 3901 N. Front St. $216.91 million CEO 717-827-4045 Susquehanna Twp. Harrisburg, PA 17110 -2.77% 877-876-9462 1904

30 BANK OF AMERICA C $188.27 million Thomas Woodward www.bankofamerica.com 2/5,094 Bank of America Corp. 24 2 N. Queen St. $90.61 million Pennsylvania state 717-295-7711 Charlotte, N.C. Lancaster, PA 17603 107.78% president DNR

26 FIRST NATIONAL BANK OF $145.37 million Scott Fritz www.fnbmif intown.com 7/12 First Community 25 MIFFLINTOWN $148.61 million President and CEO 717-567-2380 Mif intown Financial Corp. 75 Red Hill Road -2.18% 866-950-2144 1864 Newport, PA 17074 27 FIRST NATIONAL BANK OF $138.6 million Rodney P. Seidel www.fnbankonline.com 4/7 NA 26 FREDERICKSBURG D $135.8 million President and CEO DNR Bethel Twp. 3016 S. Pine Grove St. 2.07% 800-809-7949 1907 Fredericksburg, PA 17026 29 THE GRATZ BANK $106.35 million Wes Weymers www.gratzbank.com 1/4 GNB Financial Services 27 32 W. Market St., P.O. Box 159 $97.47 million President and CEO 717-365-3181 Gratz Inc. Gratz, PA 17030-0159 9.11% 1934

28 FIRST NATIONAL BANK OF $100.85 million Vincent J. Delie Jr. www.fnb-online.com DNR/300 FNB Corp. 28 PENNSYLVANIA $113.11 million CEO DNR Pittsburgh 409 N. Second St. -10.84% 800-555-5455 1864 Harrisburg, PA 17101 31 COATESVILLE SAVINGS BANK $73.3 million Frederick P. Henrich www.coatesvillesavings.com 2/4 NA 29 695 W. Main St. $59.89 million Chairman and 717-354-4696 Coatesville, Chester New Holland, PA 17557 22.4% president Co. DNR 32 JUNIATA VALLEY BANK $35.33 million Marcie A. Barber www.jvbonline.com 1/12 Juniata Valley Financial 30 4 N. Market St. $38.03 million President and CEO 717-589-3141 Mif intown, Juniata Corp. Millerstown, PA 17062 -7.1% Co. 1867

DBA-doing business as DNR-did not respond NA-not applicable NR-not ranked The Central Penn Business Journal's list of banks is limited to those with branches in Adams, Researched by Alaine Keisling Cumberland, Dauphin, Franklin, Lancaster, Lebanon, Perry or York counties. The ranking criteria was obtained from a market-share report from the Federal Deposit Insurance Corp. Other information was obtained from the banks themselves and other Business Journal research. To access the Business Journal's online database, visit www.CPBJ.com/ListCentral. Surveys available at www.CPBJsurveys.info; follow @CPBJListCentral on Twitter Published Jan. 22, 2016; updated Sept. 6, 2016. B Acquired by North Carolina-based BB&T Bank C Branches in Berks, Chester and Lancaster counties sold to FNB Corp. in May D Purchased by Tioga County-based Citizens Financial Services Inc. www.CPBJ.com FINANCIAL REPORT 2016 15 Credit unions Ranked by assets

Rank Prev. Company Assets Top local executive Website Local/total Services rank Address as of Dec. Title Phone locations 2015/2014 Headquarters % change Year established locally

1 PA STATE EMPLOYEES CREDIT UNION $4.49 billion Gregory A. Smith www.psecu.com 3/4 ATM/debit card program, low-cost wire transfers, DBA PSECU $4.2 billion President 717-234-8484 Harrisburg no-surcharge ATMs, business share accounts, no- 1 1500 Elmerton Ave., P.O. Box 67013 6.82% 800-237-7328 1933 cost share drafts, share certi cates with low Harrisburg, PA 17106-7013 minimum balance requirements

3 MEMBERS 1ST FEDERAL $3.01 billion Robert L. Marquette www.members1st.org 60/60 ATM/debit card program, check cashing, CREDIT UNION $2.77 billion President and CEO 717-697-1161 Lower Allen Twp. international remittances, money orders, no- 2 5000 Louise Drive, P.O. Box 40 8.9% 800-283-2328 1950 surcharge ATMs, business share accounts, health Mechanicsburg, PA 17055-0040 savings accounts

2 MID-ATLANTIC CORPORATE FEDERAL $2.8 billion Jay R. Murray www.midatlanticcorp.org 1/1 Provides investment, lending and payment CREDIT UNION $2.87 billion President and CEO 717-985-3300 Lower Swatara services, including automated clearing house, 3 1201 Fulling Mill Road -2.33% 800-622-7494 Twp. share draft and electronic bill payment Middletown, PA 17057-3111 1976 processing, to 800-plus member credit unions

4 PATRIOT FEDERAL CREDIT UNION $524.12 Brad R. Warner www.patriotfcu.org 5/7 Home, phone and mobile banking; ATMs 800 Wayne Ave., P.O. Box 778 million Interim President and 717-263-4444 Chambersburg 4 Chambersburg, PA 17201-0778 $499.94 CEO 888-777-9982 1965 million 4.84%

5 BELCO COMMUNITY CREDIT UNION $438.56 Amey R. Sgrignoli www.belco.org 12/12 Business services include Visa business card, 449 Eisenhower Blvd. million President and CEO 717-232-3526 Swatara Twp. merchant card services, business checking, 5 Harrisburg, PA 17111-2302 $419.17 800-642-4482 1939 business real estate mortgages, business lines million and letters of credit, business loans 4.63%

6 LEBANON FEDERAL CREDIT UNION $195.84 Jeffery A. Trickett www.lebanonfcu.org 3/3 Online, mobile and audio banking; remote 300 Schneider Drive million President and CEO 717-272-2210 Lebanon deposit; ATM, debit, credit cards programs; 6 Lebanon, PA 17046-4811 $187.28 1969 rewards cash back, surcharge-free ATM networks; million courtesy pay; student and business loans 4.57%

8 FIRST CAPITAL FEDERAL $167.76 Susan DeStephano www. rstcapitalfcu.com 3/3 Mobile banking, mobile check deposit, online CREDIT UNION million President and CEO 717-767-5551 W. Manchester banking, bill pay, phone banking, ATM access, 7 1601 Kenneth Road, P.O. Box 7746 $158.49 800-893-2328 Twp. business services York, PA 17404-7746 million 1954 5.85%

7 AMERICHOICE FEDERAL $165.68 Anna May Nauss www.americhoice.org 7/7 First mortgages; home equity, auto, boat, CREDIT UNION million President and CEO 717-697-3474 Upper Allen Twp. business, line of credit and student loans; 8 2175 Bumble Bee Hollow Road $159.58 800-240-4364 1970 business accounts, merchant and payroll Mechanicsburg, PA 17055-5563 million services, payroll deduction/direct deposit; Visa 3.82%

9 EVERENCE FEDERAL CREDIT UNION $165.1 million W. Kent Hartzler www.everence.com 3/10 Branch outlets, online home banking, phone 2160 Lincoln Hwy E., Suite 20 $149.64 President and CEO 717-735-8330 E. Lampeter Twp. banking, ATM access, shared branching, mobile 9 Lancaster, PA 17602-1150 million 800-451-5719 1955 banking, business, mortgage and consumer 10.33% loans, wires, ACH, checking

10 NEW CUMBERLAND FEDERAL $146.12 Donald M. Varner Jr. www.ncfcuonline.org 6/6 Online home banking, phone banking, ATM CREDIT UNION million CEO 717-774-7706 Fairview Twp. access 10 345 Lewisberry Road, P.O. Box 658 $139.23 800-716-2328 1952 New Cumberland, PA 17070-0658 million 4.95%

11 1ST ED CREDIT UNION $125.34 Kelly Childress www.1edcu.org 1/1 Home, phone and mobile banking, ATMs 1156 Kennebec Drive million CEO 717-264-6506 Chambersburg 11 Chambersburg, PA 17201 $126.89 1938 million -1.22%

12 CORNERSTONE FEDERAL $104.87 Samuel J. Glesner www.cornerstonefcu.coop 3/3 Mobile and Internet banking, mobile deposits; CREDIT UNION million CEO 717-249-1661 S. Middleton Twp. automated phone access; debit, ATM and credit 12 5 Eastgate Drive, P.O. Box 1181 $98.93 million 888-718-6786 1974 card access; electronic bill payer; IRA, nancial Carlisle, PA 17013-0927 6.01% planning and investments

13 LANCO FEDERAL CREDIT UNION $77.07 million Stacey M. Hankey www.lancofcu.com 5/5 Share, Kasasa checking and money market 349 W. Roseville Road $74.18 million President and CEO 717-569-7180 Manheim Twp. accounts; certi cates; all types of consumer and 13 Lancaster, PA 17601-3145 3.89% 888-318-4222 1965 business loans; credit and debit cards; online, mobile and telephone banking

DBA-doing business as NA-not applicable NR-not ranked Researched by Alaine Keisling The Central Penn Business Journal's list of credit unions is limited to those in or near Adams, Cumberland, Dauphin, Franklin, Lancaster, Lebanon, Perry or York counties. Information came from the individual credit unions, the National Credit Union Administration and other Business Journal research. To access the Business Journal's online database, visit www.CPBJ.com/ListCentral. Surveys available at www.CPBJsurveys.info; follow @CPBJListCentral on Twitter. Published April 15, 2016; updated Sept. 6, 2016.

16 FINANCIAL REPORT 2016 Central Penn Business Journal Credit unions Ranked by assets

Rank Prev. Company Assets Top local executive Website Local/total Services rank Address as of Dec. Title Phone locations 2015/2014 Headquarters % change Year established locally

14 HERITAGE VALLEY FEDERAL $76.69 million Timothy K. Ames www.heritagevalleyfcu.org 3/3 Online home banking, mobile banking, phone CREDIT UNION $71.3 million CEO 717-840-4981 Springettsbury banking, ATM access, checking, savings, online 14 2400 Pleasant Valley Road, P.O. Box 3617 7.57% 877-214-1914 Twp. account opening, online loan applications, credit York, PA 17402-9624 1935 cards, credit check-ups, bill payer

15 PA CENTRAL FEDERAL CREDIT UNION $73.46 million Gregory E. Wagner www.pacentralfcu.com 4/4 Online home banking, phone banking, ATM 959 E. Park Drive $70.39 million CEO 717-564-4661 Lower Paxton Twp. access 15 Harrisburg, PA 17111-2810 4.37% 800-356-3875 1938

16 SUSQUEHANNA VALLEY FEDERAL $67.29 million Eric E. Lundvall www.svfcu.org 2/2 Online home banking, phone banking, ATM CREDIT UNION $66.7 million CEO 717-737-4152 Lower Allen Twp. access 16 3850 Hartzdale Drive 0.89% 800-948-1454 1967 Camp Hill, PA 17011-7809

18 WHITE ROSE CREDIT UNION $66.05 million Debra A. Kauffman www.whiterosecu.com 5/5 Online home banking, online loan applications, 3498 Industrial Drive $62.18 million President and CEO 717-755-9773 Springettsbury mobile banking, ATM access to debit and credit 17 York, PA 17402-9050 6.23% 888-755-9773 Twp. cards, electronic bill payer, e-statements, student 1950 loans

17 LANCASTER RED ROSE $65.89 million Kara E. Vincent www.lrrcu.org 3/3 Online home banking, phone banking, free bill CREDIT UNION $64.1 million CFO 717-295-6685 Lancaster payer, ATM access 18 1010 New Holland Ave. 2.8% 800-995-6685 1948 Lancaster, PA 17601-5606

19 HERSHEY FEDERAL CREDIT UNION $58.84 million Paul R. Wagner www.hersheyfcu.org 3/3 Full-service checking, savings, money market 232 Hershey Road $56.38 million President and CEO 717-533-9174 S. Hanover Twp. accounts, certi cates of deposits, investment 19 Hummelstown, PA 17036-9218 4.36% 800-832-4328 1949 services, nancial planning; insurance services; vehicle loans

20 WHEATLAND FEDERAL CREDIT UNION $54.76 million Kathleen L. Rye www.wheatlandcu.com 5/5 Full-service nancial institution with online home 611 Centerville Road $52.35 million CEO 717-898-7673 E. Hemp eld Twp. banking, phone banking, ATM access 20 Lancaster, PA 17601-1307 4.62% 800-527-5140 1936

21 GLATCO CREDIT UNION $38.12 million William J. Bowker www.glatcocu.com 2/2 Audio response, ATM, online services, bill-payer 53 S. Main St., P.O. Box 197 $37.09 million CEO 717-225-4548 Spring Grove service, mortgages, debit and credit cards, 21 Spring Grove, PA 17362-0197 2.77% 1977 student loans

22 YORK EDUCATIONAL FEDERAL $32.04 million Cathy S. Henry www.yefcu.org 3/3 Online home banking, bill payer, ATM access, CREDIT UNION $31.94 million President and CEO 717-843-1153 Spring Garden private student loans, e-statements, mobile 22 1601 S. Queen St. 0.31% Twp. banking, consumer loans, VISA credit cards York, PA 17403-4630 1969

23 BLUE CHIP FEDERAL CREDIT UNION $29.33 million Pamela S. Mohn www.bluechipfcu.org 1/1 Savings, checking, consumer loans, online and 5050 Derry St. $29.2 million CEO 717-564-3081 Swatara Twp. phone banking, ATM access 23 Harrisburg, PA 17111-5606 0.42% 800-782-2328 1948

24 POSTMARK CREDIT UNION $28.73 million David A. Frey www.postmarkcu.com 1/1 Internet banking, ATM; electronic payments, e- 2630 Linglestown Road $27.66 million President and CEO 717-671-5119 Susquehanna Twp statements 24 Harrisburg, PA 17110-3666 3.87% 888-671-7678 1933

25 PENLANCO FEDERAL CREDIT UNION $23.94 million Kelley S. Crawford www.penlancofcu.com 1/1 Website 651 Delp Road $23.5 million CEO and treasurer 717-569-9621 Manheim Twp. 25 Lancaster, PA 17601-3034 1.9% 1938

26 NEIGHBORS 1ST FEDERAL $10.86 million Laura J. Shetter www.neighbors1stfcu.com 1/1 Home and phone banking; ATMs CREDIT UNION $11.64 million CEO 717-762-8431 Waynesboro 26 626 N. Grant St. -6.72% 1968 Waynesboro, PA 17268-0997

Rank Prev. Company FYE 2015 Top local executive Website Local/total Services provided rank Address revenue Title Phone locations Headquarters Year established locally 2 COMMUNITY FIRST FUND $5.49 Daniel Betancourt www.community rstfund.org 4/5 Loan capital for small business, 30 W. Orange St., P.O. Box 524 million President and CEO 717-393-2351 Lancaster commercial real estate and 1 Lancaster, PA 17608-0524 1992 housing development; New Markets tax credits; business counseling services 3 YORK COUNTY ECONOMIC ALLIANCE $2.6 million Loren Kroh www.ycea-pa.org 2/2 Business networking, business 144 Roosevelt Ave., Suite 100 Interim president and CEO 717-848-4000 York incubation, economic 2 York, PA 17401-3333 2012 development funding, municipal outreach, site selection assistance, workforce development 4 COMMONWEALTH CORNERSTONE $2.06 Charlotte Folmer www.commonwealthcornerstone.org 1/1 Development and rehabilitation GROUP million Executive director 717-780-3800 Harrisburg loans 3 211 N. Front St. 2004 Harrisburg, PA 17101-1406 5 CUMBERLAND AREA ECONOMIC $1.94 Jonathan Bowser www.cumberlandbusiness.com 1/1 Destination marketing, business DEVELOPMENT CORP. million CEO 717-240-7180 Carlisle and government advocacy and 4 53 W. South St., Suite 1 2005 funding solutions for Cumberland Carlisle, PA 17013 County. 6 GETTYSBURG TRAVEL COUNCIL INC. $1.9 million Norris L. Flowers www.destinationgettysburg.com 2/2 Promotion of tourism and its DBA DESTINATION GETTYSBURG President and CEO 717-334-6274 Gettysburg positive economic bene ts 5 571 W. Middle St. 800-337-5015 1954 Gettysburg, PA 17325 8 ECONOMIC DEVELOPMENT CO. OF $1.32 Lisa Riggs www.edclancaster.com 1/1 Community and economic LANCASTER COUNTY AND EDC million President 717-397-4046 Lancaster development in Lancaster County, 6 FINANCE CORP. 1960 and business nance projects in 100 S. Queen St., P.O. Box 1558 Lancaster County and South- Lancaster, PA 17608-1558 Central PA 18 LANCASTER CITY ALLIANCE $1.25 Robert C. Shoemaker www.lancastercityalliance.org 1/1 Community and economic 354 N. Prince St. million President and CEO 717-394-0783 Lancaster development; public safety 7 Lancaster, PA 17603 2013

7 CAPITAL REGION ECONOMIC $941,309B David E. Black www.harrisburgregionalchamber.org 2/2 State and federal loans, site reuse; DEVELOPMENT CORP. President and CEO 717-232-4099 Harrisburg grant packages, site selection, 8 3211 N. Front St. 1962 incubator, seminars, referrals, Harrisburg, PA 17110-1342 general assistance, city recovery 16 HARRISBURG DOWNTOWN $750,000 Todd Vander Woude www.harrisburgdid.com 1/1 Neighborhood improvement IMPROVEMENT DISTRICT INC. Executive director 717-236-9762 Harrisburg district management services 9 22 N. Second St. DNR Harrisburg, PA 17101 11 MAIN STREET YORK INC. AKA $644,503B DNR www.downtownyorkpa.com 1/1 Public safety initiatives, litter DOWNTOWN INC DNR 717-849-2331 York removal, beauti cation, 10 16 N. George St. 1984 educational workshops for small York, PA 17401 businesses, events, marketing, economic restructuring 14 ASSETS LANCASTER DBA ASSETS $452,751 Jessica King www.assetspa.org 1/1 Programs focused on small 100 S. Queen St. Executive director 717-393-6089 Lancaster businesses and social enterprise, 11 Lancaster, PA 17603 1993 including start-up training and microloans 19 LANCASTER DOWNTOWN $400,000 Marshall W. Snively www.lancastercityalliance.org 1/1 Ensuring Downtown Lancaster is INVESTMENT DISTRICT Executive director 717-394-0783 Lancaster welcoming, attractive and vital 12 354 N. Prince St. 1991 through supplementary clean team Lancaster, PA 17603 & bike squad services and marketing partnerships. 9 ADAMS COUNTY ECONOMIC $324,101B Robin K. Fitzpatrick www.acedc.org 1/1 Business retention, expansion and DEVELOPMENT CORP. President 717-334-0042 Straban Twp. attraction 13 1300 ProLine Place 1989 Gettysburg, PA 17325 12 DOWNTOWN CARLISLE $254,646 Glenn A. White www.lovecarlisle.com 1/1 Downtown revitalization, ASSOCIATION Executive director 717-245-2648 Carlisle destination marketing, 14 53 W. South St. 1981 beauti cation, tourism events, Carlisle, PA 17013 grants, community development, retail recruitment 10 LEBANON VALLEY ECONOMIC $202,545 Susan M. Eberly www.lvedc.org 1/1 Financing, site selection, tax DEVELOPMENT CORP. President 717-274-3180 S. Lebanon Twp. abatement and general business 15 16 Lebanon Valley Parkway 1957 development assistance; owns Lebanon, PA 17042 three business parks

DBA-doing business as DNR-did not respond NA-not applicable NR-not ranked Researched by Alaine Keisling The Central Penn Business Journal's list of economic development organizations was limited to those in or near Adams, Cumberland, Dauphin, Franklin, Lancaster, Lebanon, Perry or York counties. Information came from the individual companies, 990s led with the Internal Revenue Service and other Business Journal research. To access the Business Journal's online database, visit www.CPBJ.com/ListCentral. Surveys available at www.CPBJsurveys.info; follow @CPBJListCentral on Twitter. Published May 27, 2016; updated Sept. 6, 2016. B Most recently available information

18 FINANCIAL REPORT 2016 Central Penn Business Journal SBA lenders Ranked by local loans

Rank Prev. Company FYE 2015 dollar Top local executive Website 2015 SBA borrowers rank Address amount/number Title Local/toll-free phone of local SBA loans

4 CENTRIC BANK $14 million Patricia A. Husic www.centricbank.com Candle Hospitality 4320 Linglestown Road, P.O. Box 62090 11 President and CEO 717-909-8309 Hollinger Inc. 1 Harrisburg, PA 17106-2090 D. Baker Properties LLC

1 EDC FINANCE CORP. $6.33 million Lisa D. Riggs www.edc nancecorp.com L&W Apparel Co. Inc. 100 S. Queen St., P.O. Box 1558 9 President 717-397-4046 The Bird-In-Hand Corp. 2 Lancaster, PA 17608-1558 Excelsior Events LLC

3 MANUFACTURERS & TRADERS TRUST $6.19 million Stephen Foreman www.mtb.com Bonefrog Brews LLC CO. DBA M&T BANK 64 Regional president DNR AM Enterprise LLC 3 213 Market St. 800-724-2440 Innovative Design Inc. Harrisburg, PA 17101 15 REPUBLIC 1ST BANK DBA $5.53 million DNR www.myrepublicbank.com Country Inn & Suites REPUBLIC BANK 2 DNR DNR Chambersburg 4 1601 Market St. 888-875-2265 Mount Pleasant Plaza LLC Philadelphia, PA 19103

NR FIRST NATIONAL BANK OF $5.29 millionB Vincent J. Delie Jr. www.fnb-online.com HR Pharmaceuticals Inc. PENNSYLVANIA 23 CEO DNR A&D Brothers Inc. 5 409 N. Second St. 800-555-5455 Thomas J Lyons PC dba Animal Harrisburg, PA 17101 Hospital of West Manheim 18 PARKE BANK $3.32 million DNR www.parkebank.com Vora Inc. 601 Delsea Drive 3 DNR 856-256-2500 Reneuxit LLC 6 Seewell, NJ 08080 866-727-5325 C&D Motorsports LLC

9 NEWTEK SMALL BUSINESS FINANCE INC. $3.22 million DNR www.newtekbusinessservices.com Winter Ventures Inc. 462 Seventh Ave., 14th Floor 2 DNR 212-256-9510 7 New York, NY 10018

20 MID PENN BANK $3.05 million Rory G. Ritrievi www.midpennbank.com Noah's Ark Veterinary Center Inc. 349 Union St. 12 President and CEO 717-692-2133 Santram Food LLC 8 Millersburg, PA 17061-1611 866-642-7736 VC Investments Inc.

11 BRANCH BANKING AND TRUST CO. DBA $2.97 million Craig Kauffman www.bbt.net Ammac Holdings LP 9 BB&T C 6 Regional president 717-735-8730 Kaedrew Properties LLC 1570 Manheim Pike, P.O. Box 3300 800-226-5228 TL Technologies Inc. Lancaster, PA 17604-3300 NR PACIFIC WESTERN BANK $2.88 million DNR www.paci cwesternbank.com West Diablo LLC 10250 Constellation Blvd. 2 DNR 310-286-1144 JMS Realty Holdings LLC 10 Century City, CA 90067

7 WELLS FARGO BANK $2.04 million Lauren Tobiassen www.wellsfargo.com K9 Cove LLC 600 Penn St., Fourth Floor 18 Area president 610-655-2900 MountJoy Motors Inc. 11 Reading, PA 19602 800-834-3280 JB.2 Enterprises LLC

NR ORRSTOWN BANK $1.82 million Thomas R. Quinn Jr. www.orrstown.com Sacunas Inc. 77 E. King St., P.O. Box 250 4 President and CEO 717-530-2297 Dissolve Float Spa LLC 12 Shippensburg, PA 17257-1307 888-677-7869 Cumberland Valley Koi LLC

28 SOUTH EASTERN ECONOMIC $1.58 million Sherwood Robbins www.seedcopa.com Little Learners' Child Development DEVELOPMENT CO. OF PA 2 Managing director 610-458-5700 Center 13 737 Constitution Drive Ted's Bar & Grill Exton, PA 19341 8 CITIZENS BANK OF PENNSYLVANIA $1.45 million Daniel K. Fitzpatrick www.citizensbank.com Pure Water Technology of Central 2 N. Second St. 15 Regional president and CEO 717-777-3351 PA Inc. 14 Harrisburg, PA 17101 800-922-9999 Zoccolo Auto Services Inc. Lancaster Travel Places LLC 6 SEDA-COG LOCAL DEVELOPMENT CORP. $1.31 million John K. Reichard nance.seda-cog.org Fuel City Truck Stop Inc. 201 Furnace Road 2 Director 570-524-4491 Alexander's Family Restaurant 15 Lewisburg, PA 17837 800-326-4086

DBA-doing business as DNR-did not respond NA-not applicable NR-not ranked Researched by Alaine Keisling The Central Penn Business Journal's list of SBA lenders is limited to lenders with SBA-guaranteed loan approvals to clients in Adams, Cumberland, Dauphin, Franklin, Lancaster, Lebanon, Perry or York counties. Information for the list was obtained from the U.S. Small Business Administration, the Pennsylvania Department of State, the individual lenders and other Business Journal research. To access the Business Journal's online database, visit www.CPBJ.com/ListCentral. Surveys available at www.CPBJsurveys.info; follow @CPBJListCentral on Twitter. Published July 22, 2016; updated Sept. 6, 2016. B Loans attributed to the former Metro Bank, which now is part of FNB C Previously ranked as Susquehanna Bank www.CPBJ.com FINANCIAL REPORT 2016 19 OPEN ROAD

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