Lakeland Bancorp is shoring up in the Garden State. It's the holding company for Lakeland Bank, which serves northern New Jersey from about 52 branch offices. Targeting individuals and small to midsized businesses, the bank offers standard retail products such as checking and savings accounts, money market and NOW accounts, and CDs. It also offers financial planning and advisory services for consumers. The bank's lending activities primarily consist of commercial loans and mortgages (more than half of the company's loan portfolio) and residential mortgages. Lakeland also offers commercial lease financing for office systems and heavy equipment.