ESB Financial Corporation is a thrift holding company that provides a range of retail and commercial financial products and services to customers in Western Pennsylvania through its wholly owned subsidiary bank, ESB Bank (the Bank). The Company is also the parent company of PennFirst Financial Services, Inc., ESB Capital Trust II (the Trust II), ESB Statutory Trust III (the Trust III) and ESB Capital Trust IV (the Trust IV). The Bank is a financial intermediary whose principal business consists of attracting deposits from the general public and investing such deposits in real estate loans secured by liens on residential and commercial properties, consumer loans, commercial business loans, securities and interest-earning deposits. In addition, the Company utilizes borrowed funds, primarily advances from the Federal Home Loan Bank (FHLB) of Pittsburgh and repurchase agreements, to fund the Company’s investing activities.