The term "commercial bank" means any bank authorized by law to:
(1) receive deposits of money;
(2) deal in commercial paper or make loans on commercial paper;
(3) lend money on real or personal property;
(4) engage in business activities directly or indirectly through affiliates or subsidiaries;
(5) discount bills, notes, or other commercial papers; and
(6) buy and sell securities, gold and silver bullion, foreign coins, or bills of exchange.