U.S. Banks Low Leverage High Rewards

United Bankshares

Market Cap: US$4.9b

Through its subsidiaries, provides commercial and retail banking products and services in the United States.

Republic Bancorp

Market Cap: US$1.3b

Operates as a bank holding company for Republic Bank & Trust Company that provides various banking products and services in the United States.

S&T Bancorp

Market Cap: US$1.4b

Operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services to consumer, commercial, and small business in Pennsylvania and Ohio.

Preferred Bank

Market Cap: US$1.1b

Provides various banking products and services to small and mid-sized businesses, entrepreneurs, real estate developers, professionals, and high net worth individuals.

TowneBank

Market Cap: US$2.5b

Provides retail and commercial banking services for individuals, commercial enterprises, and professionals in Virginia and North Carolina.

CNB Financial

Market Cap: US$456.4m

Operates as the bank holding company for CNB Bank that provides various banking products and services for individual, business, governmental, and institutional customers.

Chemung Financial

Market Cap: US$211.7m

Operates as a bank holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services.

German American Bancorp

Market Cap: US$1.4b

Operates as a financial holding company for German American Bank that provides retail and commercial banking, and health management services.

Bank of the James Financial Group

Market Cap: US$63.4m

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.

CVB Financial

Market Cap: US$2.6b

Operates as a bank holding company for Citizens Business Bank, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals.

Renasant

Market Cap: US$2.1b

Operates as a bank holding company for Renasant Bank that provides a range of financial, wealth management, fiduciary, and insurance services to retail and commercial customers.

Peoples

Market Cap: US$64.4m

Operates as the holding company for PS Bank that provides various financial services to individuals, small businesses, and corporate customers in Pennsylvania, the United States.

Ohio Valley Banc

Market Cap: US$179.0m

Operates as the bank holding company for The Ohio Valley Bank Company that provides commercial and consumer banking products and services.

TriCo Bancshares

Market Cap: US$1.3b

Operates as a bank holding company for Tri Counties Bank that provides commercial banking services to individual and corporate customers.

Park National

Market Cap: US$2.4b

Operates as the bank holding company for Park National Bank that provides commercial banking and trust services in small and medium population areas in the United States.

Timberland Bancorp

Market Cap: US$244.2m

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

United Bancorporation of Alabama

Market Cap: US$163.8m

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

National Bank Holdings

Market Cap: US$1.4b

Operates as the bank holding company for NBH Bank that provides various banking products and financial services to commercial, business, and consumer clients in the United States.

Embassy Bancorp

Market Cap: US$114.1m

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.

Simmons First National

Market Cap: US$2.4b

Operates as the bank holding company for Simmons Bank that provides banking and other financial products and services to individuals and businesses.

First Financial Bankshares

Market Cap: US$4.8b

Through its subsidiaries, provides banking services in the United States.

Independent Bank

Market Cap: US$2.5b

Operates as the bank holding company for Rockland Trust Company that provides commercial banking products and services to individuals and small-to-medium sized businesses in the United States.

Community Trust Bancorp

Market Cap: US$885.0m

Operates as the bank holding company for Community Trust Bank, Inc.

Home Federal Bancorp of Louisiana

Market Cap: US$39.0m

Operates as the holding company for Home Federal Bank that provides various financial services to individuals, corporate entities, and other organizations in Louisiana.

Lakeland Financial

Market Cap: US$1.4b

Operates as the bank holding company for Lake City Bank that provides various banking products and services in the United States.

Fidelity D & D Bancorp

Market Cap: US$233.7m

Operates as the bank holding company for The Fidelity Deposit and Discount Bank that provides a range of banking, trust, and financial services to individuals, small businesses, and corporate customers.

Century Financial

Market Cap: US$71.1m

Operates as a bank holding company for Century Bank and Trust that provides a range of financial and trust services.

Benchmark Bankshares

Market Cap: US$112.8m

Operates as the holding company for Benchmark Community Bank that provides various banking products and services in the United States.

KS Bancorp

Market Cap: US$57.6m

Operates as the bank holding company for KS Bank, Inc.

Croghan Bancshares

Market Cap: US$96.7m

Operates as the holding company for the Croghan Colonial Bank, a state-chartered bank that provides a range of commercial and retail banking services to individuals and business clients in Ohio.

Citizens Bancorp of Virginia

Market Cap: US$60.6m

Operates as the bank holding company for Citizens Bank and Trust Company that provides commercial banking products and services to businesses and individuals in the United States.

Thomasville Bancshares

Market Cap: US$473.9m

Operates as the bank holding company for Thomasville National Bank that provides a range of banking services to individual and corporate customers primarily in Thomas and Glynn counties, Georgia, Leon County, Florida, and the surrounding counties.

Chesapeake Financial Shares

Market Cap: US$89.4m

Operates as the bank holding company for Chesapeake Bank that provides various banking products and services for individuals and businesses in the United States.

NBT Bancorp

Market Cap: US$2.0b

A financial holding company, provides commercial banking, retail banking, and wealth management services.

National Bankshares

Market Cap: US$163.7m

Operates as the bank holding company for the National Bank of Blacksburg that provides retail and commercial banking products and services to individuals, businesses, non-profits, and local governments.

First Commonwealth Financial

Market Cap: US$1.6b

A financial holding company, provides various consumer and commercial banking products and services in the United States.