Farmers & Merchants State Bank of New York Mills, Incorporated

Founded in 1918, Pine River State Bank is a full-service bank that offers personal and commercial banking services. It provides a variety of deposit accounts that range from economy checking with no minimum balance and no monthly maintenance fee to programs like Elite Club accounts, which offer members special benefits and interest. The bank offers personal loans to buy new and pre-owned vehicles, boats and snowmobiles, and to pay for college expenses, medical bills, vacations and car repairs. It also offers commercial, real estate and Small Business Administration loans. The bank s other products and services include Internet banking, debit cards, ATMs and direct deposit services. Its online banking services enable customers to check account balances, view current statements, download account information, transfer money between accounts, make loan and ready reserve payments and order checks. Pine River State Bank has locations in Pine River, Pillager, Emily, Breezy Point and Nowthen, Minn.

Operational for more than 50 years, Mid-Central Federal Savings Bank is a full-service financial institution that offers various personal and commercial investment and lending solutions for business owners, professionals and individuals. The bank provides checking and savings accounts. Its range of products includes automobile, home equity and commercial mortgage loans. Mid-Central Federal Savings Bank issues the certificates of deposit and individual retirement account funds. It also offers online and automated telephone banking services, as well as loan and mortgage calculators. In addition, the bank provides depository boxes and ATM, debit and credit cards for its account holders. Mid-Central Federal Savings Bank offers commercial cash management and bill payment services. It employs a staff of more than 35 workers and has over 50 stockholders. The bank also offers school savings programs for students in grades three through six. It is a member of the Federal Deposit Insurance Corporation.

RiverWood Bank is a financial institution that provides a variety of personal and business banking products and services. The company s personal banking products include free and interest-bearing checking accounts, savings accounts, home equity loans and lines of credit, mortgages and loans for home improvement, automobiles, debt consolidation, personal use and education. Its business banking products include checking and savings accounts and a variety of loans.