Charlevoix First Corporation

Harbor Springs Financial Corporation, established in 1975, actually came into existence in 1896 as a community bank. The bank was a three-story brick building, which has served as the bank's Harbor Springs main location since it was founded. In 1905, the necessary steps were taken to obtain a bank charter from the state of Michigan, and in that year the bank opened for business under the name of Emmet County State Bank. The bank became a member of the Federal Deposit Insurance Corporation in 1933 and a member of the Federal Reserve System in 1937. The bank s premium checking account continues to outperform the big bank money market funds and earns a higher yield than most short-term CDs. The bank s premium checking account funds are available daily and insured up to $100,000. Harbor Springs Financial is located in Harbor Springs, Mich.

Central State Bancorp Inc is a financial institution based in Traverse City, MI, offering a range of banking services to individuals and businesses. With a focus on providing personalized solutions, the company aims to help clients achieve their financial goals. Through a combination of traditional banking practices and modern technology, Central State Bancorp Inc strives to create a seamless banking experience for its customers. Committed to building strong relationships within the community, the company values transparency and integrity in all its operations. Generated from their business information

Established in 1931, Citizens National Bank is one of the largest, locally owned financial institutions in the northern Lower Peninsula of Michigan. The bank is a full-service, independent institution that offers checking, savings, individual retirement and insured money market accounts. It offers home equity loans, lines of credit and certificates of deposit. Citizens National Bank provides commercial real estate, construction, equipment financing and small business administration loans. Through CNB Financial Services, the bank offers investment, insurance and financial planning solutions. It provides mutual funds, annuities and mortgage-backed securities. The bank operates more than five offices in Cheboygan, Presque Isle and Emmet counties in Michigan. Citizens National Bank is a wholly owned subsidiary of CNB Corporation.