Northern States Financial Corporation is a holding company for NorStates Bank (the Bank). The Bank is a commercial bank with over eight branches in Lake County, Illinois. The Bank offers personal services, including personal checking, personal savings, personal loans, and personal debit card and credit card services, and business services, including business checking, business savings, business loans, and business debit card and credit card services. The Bank also offers personal and business services, including online banking and bill pay, mobile banking, telephone banking, business online banking and bill pay, cash management, automated clearing house (ACH) services, remote deposit capture and others. It offers loans, including business term loans, real estate loans, home mortgage loans, home equity loans, auto loans and others. The Bank is also engaged in providing wealth management services. The Bank serves its customers in northeastern Illinois and southeastern Wisconsin.