With 38 Languages, FSB Reaches All Globe's Corners: With a focus on multi-family and...

By knowing the needs of an eclectic market, $2 billion-asset Flushing Savings Bank has carved out a niche for itself in one of the most diverse counties in the U.S. Along the way, it also has increased its profits and stock price.

FSB's bread and butter is small loans to local property owners. The bank has a growing cache of small business loans, but at $14 million it's still far outpaced by its real estate loans, says president and CEO Michael Hegarty.

At the half-year point, FSB had $600 million in multi-family loans and $300 million in small commercial re