When you are trying to make a decision to use the services of any business, you would like to believe that you could work directly with the owners. When you select PCB you will always be working directly with an owner because PCB is 100% owned by the employees through an Employee Stock Ownership Plan (ESOP). An ESOP is a qualified retirement plan where each employee participates in the ownership of stock in the company. We began our ESOP in 1980 and became 100% owned by the employees in 1993. This sets us apart from 99.5% of banks in the United States. As of 2011, there are approximately 7,500 chartered banking institutions in the country, but only 4 are 100% owned by employees through a broad-based ownership plan. This means that every time you call, e-mail or have direct contact with us, you are working with an owner of the bank. You will see a marked difference in our customer service, which is always very attentive to your needs. When you work with a teller, a new account representative, a loan officer or any other part of our organization you will experience the difference. We take your relationship with us to heart. We know that our ownership culture is only important to you because we transfer the stock ownership we have to job ownership. That means we know that when you work with us, we have to deliver the best in service, information and product offerings. We have been recognized over the years for our commitment to providing the best we can in all areas. We were selected by INC Magazine and MCI Corporation as the top service company in the United States in 1993. We were also recognized by The Wall Street Journal and Winning Workplaces as one of the Top Small Workplaces in the United States in 2007. Our mission is simple! We strive to give you the best always! We want you to see the difference in working with a committed group of owners! We want you to know, if it doesn't meet your expectations, then we expect to fix it!

The Bank of Washington is a full-service bank headquartered in Washington, MO. It is the oldest and largest community bank in Franklin County, serving the area for more than 145 years. The investments that the Bank of Washington makes in the local community and surrounding area ranks it as one of the largest commercial lenders in the St. Louis area and it has been consistently voted the No. 1 bank and mortgage lender in the Washington Missourian Readers’ Choice Awards. Since 1877, as a community bank we have focused on hometown friendliness, personal attention and treating every customer like family. The spirit of the Bank of Washington is deeply rooted in the community and our commitment is to the people and businesses that make our communities a wonderful place to live, work and visit. From conveniences such as banking apps, to a wide ATM network, to intuitive cash management tools for businesses, to a variety of both business and personal loans and deposit accounts, the Bank of Washington is committed to offering the financial solutions the community needs. We welcome the opportunity to greet you with a smile at any of our six convenient locations! • 200 West Main Street, Washington • 1 East Fourteenth Street, Washington • 2629 East Fifth Street, Washington • Inside Schnucks, Washington – Open 7 Days a Week • 2687 Highway 100, Gray Summit • 3333 Highway 100, Villa Ridge 636-239-7831 Equal Housing Lender. Member FDIC.

Heartland Bank and Trust Company is a community bank with total assets of $5 billion. Headquartered in Bloomington, Illinois, the bank has offices throughout Illinois and in eastern Iowa. The bank offers a complete line of financial services to commercial and retail customers and municipal entities. Fast, efficient service is important at Heartland Bank. Management decisions are made locally, meaning we set banking policies and philosophies to suit the needs of the communities we serve. At Heartland Bank, we're proud of the strength of our bank, the capabilities we have, the services we offer, and the people who offer those services to you. When you compare banks in terms of their strength, Heartland Bank stands tall. Get to know us and you'll understand why. Heartland Bank and Trust Company is an Equal Opportunity Employer, including disability/vets. Member FDIC. Equal Housing Lender.

Sullivan Bank formerly Bank of Sullivan was founded in 1895 and continues to operate by the principles that formed our charter: stability, strength and service. The bank is a locally owned financial institution chartered by the State of Missouri. It is a member of the Federal Deposit Insurance Corporation (FDIC). Currently, the Bank is served by a Board of Directors. We have built a strong, capable board that guides the bank through establishing policies and processes that assure a safe, strong financial institution. Sullivan Bank is a solid financial institution, growing with the communities it serves; our neighborhood branches in Sullivan, Cuba, Labadie, Pleasant Hope, Springfield, Sunrise Beach, Union, St. Clair and Eureka - all in Missouri.

Maries County Bancorp Inc is an information technology and services company based out of P.O. Box 203, Vienna, Missouri, United States.

Peoples Savings Bank was established in Rhineland, Missouri in 1935. Since then, the bank has grown to support seven branch locations in Rhineland, Hermann, New Florence, Montgomery City, New Haven, New Melle, WingHaven, St. Peters, Troy, Bowling Green and Clarksville.

• Frequently completed daily transactions to customers accounts. • Followed and learned from Loan Officers within the company.

Modern banking rooted in our community. At Bank of Franklin County, we’re committed to serving the needs of the residents and businesses of this community. We do it by creating and delivering personal experiences through every interaction. "What we are giving our customers is the best of both worlds. We offer the same products and services that the big banks offer coupled with local decision making and a different level of customer service our customers appreciate."​ - Robert Dobsch, President & CEO As part of this commitment, Bank of Franklin County operates four convenient locations, a mortgage division, Franklin Mortgage, and an investment management subsidiary, Missouri Valley Wealth Management. It’s everything you, your family and your business need to be financially covered. As a local, independent business chartered in 2000 — we have a unique understanding of Franklin, St. Charles, St. Louis, Warren, Jefferson and Gasconade counties — and will use this insight to your advantage. Nice to know. Branch Locations • 900 East Eighth Street, Washington MO • 3017 Hwy A, Washington MO • 1901 Rabbit Trail Dr., Washington MO • 101 Franklin Ave, New Haven MO • 100 Christina Marie Dr., O'Fallon, MO 636-239-6600 Equal Housing Lender. Member FDIC.

Founded in 1906, Belgrade State Bank is a family owned, community bank that offers a full range of personal and business banking services. It's six branches in Southeast Missouri include Belgrade, Desloge, Farmington, and Potosi, with drive-through facilities in Caledonia and Potosi. Information on products and services are available through www.belgradestatebank.com.

Indirect Lending

Peoples Savings Bank was established in Rhineland, Missouri in 1935. Since then, the bank has grown to support seven branch locations in Rhineland, Hermann, New Florence, Montgomery City, New Haven, New Melle, WingHaven, St. Peters, Troy, Bowling Green and Clarksville.

FCNB Bank is committed to banking as it should be: supporting our community and helping families become stronger, through trust and service. Founded in 1906, FCNB Bank currently serves the mid-Missouri area. Member FDIC | Equal Housing Lender