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ChoiceOne Bank is a community bank holding company based in Michigan, with approximately $2.6 billion in assets. Founded in 1898 as Sparta State Bank, it has grown through strategic mergers and now operates 35 offices across multiple counties. The bank is headquartered in Sparta and has operations centers in Lapeer and Fenton, ensuring efficient service delivery. ChoiceOne offers a wide range of financial services, including digital banking solutions, consumer and commercial banking, agricultural lending, mortgage services, wealth management, payroll solutions, and treasury management. The bank is dedicated to serving a diverse customer base, including families, small businesses, farmers, and low-income individuals, particularly in rural communities. ChoiceOne is committed to being an integral part of Michigan communities, with a mission to provide superior service and quality advice. In 2025, the bank announced a merger with Fentura Financial Inc., enhancing its presence in the Detroit suburbs and expanding into the Flint and Saginaw markets.
Since 2000, INSBANK has offered its clients highly personalized service provided by experienced relationship managers, while positioning itself as an innovator, utilizing technologies to deliver those services efficiently and conveniently. In addition to its commercial focused operation, INSBANK operates three divisions, Medquity, TMA Medical Banking and INSBANK Online. Medquity offers healthcare banking solutions nationwide to healthcare companies and to individuals, whether they are still in residency, practicing or entering retirement, while TMA Medical Banking provides banking services specifically to members of the Tennessee Medical Association. INSBANK Online offers nationally available virtual private client services for interest bearing deposits. INSBANK is owned by InsCorp, Inc., a Tennessee bank holding company, traded on the OTCQX under symbol IBTN.
FourLeaf Federal Credit Union, headquartered in Bethpage, New York, is a federally chartered credit union with over 480,000 members and $13.4 billion in assets as of late 2024. Originally founded in 1941 to serve employees of Grumman Aircraft Engineering Corporation, it has evolved through several name changes, most recently rebranding to FourLeaf in early 2025 to reflect its nationwide expansion and modernization. FourLeaf operates under a federal community charter, allowing it to serve all residents of Nassau and Suffolk counties, as well as members nationwide. The credit union focuses on community engagement and offers a range of services, including deposit accounts, lending solutions, digital banking, and financial planning. With 32 branches and access to over 30,000 surcharge-free ATMs through the CO-OP network, FourLeaf is committed to providing member-focused services. The credit union is also actively involved in the community, sponsoring events like the FourLeaf Air Show and initiatives such as the Annual Turkey Drive.
MS Transverse Insurance Group is a property and casualty program carrier based in Princeton, New Jersey. As a subsidiary of Mitsui Sumitomo Insurance Group and part of MS&AD Insurance Group Holdings, it operates as a hybrid fronting carrier. Founded in 2018, the company specializes in program administration, reinsurance partnerships, and alternative capital solutions, serving as a link between reinsurers, program administrators, and Managing General Agents (MGAs). The company offers a range of services, including program administration for niche risks, reinsurance solutions with over 100 reinsurer relationships, flexible risk retention structures, and fronting services that ensure regulatory compliance and claims management. MS Transverse is recognized for its strong financial standing, holding an A (Excellent) rating from A.M. Best, and has been named Fronting Carrier of the Year in 2022 and 2024. With offices in New York, New Jersey, and Texas, it ranks among the top 10 U.S. fronting carriers by direct premiums written.
SMART CHEMISTRY WITH CHARACTER. The CHT Group is a medium-sized global player for sustainable specialty chemicals. After the foundation of CHT R. Beitlich GmbH in 1953 in Tübingen, the company has developed to a worldwide operating group with focus on innovative chemicals as function generators, auxiliaries and additives for industrial processes. The products optimise production processes in many industries and have an influence on the functionality, appearance and quality of the end-products on the consumer market. Then as now, the head office and the centres of competence of the business fields are located at the headquarters of the company CHT Germany GmbH in Tübingen (Ger). The range of dyes is developed, produced and commercialised by the Swiss subsidiary company CHT Switzerland AG (former BEZEMA AG) in Montlingen. With worldwide approx. 2,500 staff members in 28 companies and additional sales agencies the company group provides its products and services in more than 120 countries – on all continents. In strategy and organisation the group is focused on a value-oriented and sustainable corporate policy. Four business fields have the operative responsibility for the CHT business development: Textile, Textile Care, Construction Chemistry and General Industries. Production and finishing of textiles: Process auxiliaries, function generators and additives for pretreatment, dyeing, textile printing, flock, finishing, coating, jeans & garment, fiber production and textiles dyes. Washing Solutions: Detergents and auxiliaries for industrial laundries and for the feather and down industry. Construction: Additives, binders and special components for mineral systems and paints & coatings. General Industries: Silicones for Material Solutions, Consumer Care Solutions, Paper Solutions, Agricultural Solutions, Leather Solutions and Mining Solutions. In addition the CHT Group successfully established itself in PET recycling.