Harbor Florida Bancshares, Inc., with a market capitalization of $475 million, is the holding company for Harbor Federal Savings Bank. The Bank provides a range of banking services and is engaged in the business of attracting deposits primarily from the communities it serves and using these and other funds to originate primarily one-to-four family first mortgage loans for retention in its portfolio.
Waypoint Financial Corp., with a market capitalization of $522 million, is the bank holding company for Waypoint Bank. Waypoint Bank is primarily engaged in the business of attracting deposits and investing these deposits into loans secured by residential and commercial real property, commercial business loans, consumer loans, and investment securities. Waypoint Bank also offers full-service trust and asset management services and employee benefit plan services.
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