Global Banks Low Leverage High Rewards

Bank of Hawaii

Market Cap: US$2.8b

Operates as the bank holding company for Bank of Hawaii that provides various financial products and services in Hawaii, Guam, and other Pacific Islands.

Heritage Commerce

Market Cap: US$761.1m

Operates as the bank holding company for Heritage Bank of Commerce that provides various commercial and personal banking services to residents and the business/professional community in California.

Northeast Community Bancorp

Market Cap: US$324.0m

Operates as the holding company for NorthEast Community Bank that provides financial services for individuals and businesses.

Cadence Bank

Market Cap: US$8.1b

Provides commercial banking and financial services in the United States.

Independent Bank

Market Cap: US$706.0m

Operates as the bank holding company for Independent Bank that provides banking services in the United States.

United Community Banks

Market Cap: US$3.9b

Operates as the bank holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors in the United States.

Westamerica Bancorporation

Market Cap: US$1.2b

Operates as a bank holding company for the Westamerica Bank that provides various banking products and services to individual and commercial customers in the United States.

Bar Harbor Bankshares

Market Cap: US$541.0m

Operates as the holding company for Bar Harbor Bank & Trust that provides banking and nonbanking products and services primarily to consumers and businesses.

Cathay General Bancorp

Market Cap: US$3.4b

Operates as the holding company for Cathay Bank that offers various commercial banking products and services to individuals, professionals, and small to medium-sized businesses in the United States.

Atlantic Union Bankshares

Market Cap: US$5.2b

Operates as the bank holding company for Atlantic Union Bank that provides banking and related financial products and services to consumers and businesses in the United States.

Jammu and Kashmir Bank

Market Cap: ₹110.3b

Provides various banking products and services.

I&M Group

Market Cap: KSh70.6b

Provides various banking products and services in Kenya, Tanzania, Rwanda, Uganda, and Mauritius.

Hong Leong Financial Group Berhad

Market Cap: RM 21.1b

An investment holding company, provides investment banking, stockbroking, and fund management business of financial services to consumer, corporate, and institutional customers.

Valley National Bancorp

Market Cap: US$6.7b

Operates as the holding company for Valley National Bank that provides various commercial, private banking, retail, insurance, and wealth management financial services products.

Bank of Marin Bancorp

Market Cap: US$432.9m

Operates as the holding company for Bank of Marin that provides a range of financial services to small to medium-sized businesses, not-for-profit organizations, and commercial real estate investors in the United States.

Standard Bank

Market Cap: MK 998.4b

Provides banking and other related services in Malawi.

Financial Institutions

Market Cap: US$644.8m

Through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York.

Cashmere Valley Bank

Market Cap: US$270.2m

A state chartered bank, provides banking products and services to small and middle-market businesses, and retail customers.

Auburn National Bancorporation

Market Cap: US$97.8m

Operates as the bank holding company for AuburnBank that provides various banking products and services in East Alabama.

Bank of the James Financial Group

Market Cap: US$81.8m

Operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the United States.

Trinity Bank N.A

Market Cap: US$101.7m

Provides personal and business banking products and services in Texas.

Hanmi Financial

Market Cap: US$846.9m

Operates as the holding company for Hanmi Bank that provides business banking products and services in the United States.

IDBI Bank

Market Cap: ₹1.1t

Provides banking and financial solutions to retail and corporate customers in India.

Philippine Savings Bank

Market Cap: ₱23.8b

Primarily engages in savings and mortgage banking activities in the Philippines.

Bank Danamon Indonesia

Market Cap: Rp23.7t

Provides banking services for retail, small and medium enterprises (SMEs), and corporate customers in Indonesia.

Bank CIMB Niaga

Market Cap: Rp44.1t

Provides various banking products and services in Indonesia and internationally.

Diamond Trust Bank Kenya

Market Cap: KSh31.9b

Provides banking and other related services in Kenya, Tanzania, Uganda, and Burundi.

Neffs Bancorp

Market Cap: US$58.9m

Operates as a bank holding company for The Neffs National Bank that provides a range of financial services to individuals, small businesses, and corporate customers in Lehigh County and Northampton County, Pennsylvania.

Shanghai Commercial & Savings Bank

Market Cap: NT$199.8b

The Shanghai Commercial & Savings Bank, Ltd.

Dah Sing Financial Holdings

Market Cap: HK$11.3b

An investment holding company, provides banking, insurance, financial, and other related services in Hong Kong, Macau, and the People’s Republic of China.

Security Bank

Market Cap: ₱48.5b

Provides banking and financial products and services to wholesale and retail clients in the Philippines.

Heritage Financial

Market Cap: US$845.9m

Operates as the bank holding company for Heritage Bank that provides various financial services to small and medium sized businesses and individuals in the United States.

Timberland Bancorp

Market Cap: US$286.5m

Operates as the bank holding company for Timberland Bank that provides various community banking services in Washington.

Citizens Bancshares

Market Cap: US$75.2m

Operates as the holding company for Citizens Trust Bank that provides various commercial banking services to individual and corporate customers.

Banner

Market Cap: US$2.3b

Operates as the bank holding company for Banner Bank that engages in the provision of commercial banking and financial products and services to individuals, businesses, and public sector entities in the United States.

Embassy Bancorp

Market Cap: US$139.7m

Operates as the bank holding company for the Embassy Bank for the Lehigh Valley that provides various banking and related financial products and services to individual, business, and government customers in Pennsylvania.