Cheviot Financial Corp. is a unitary savings and loan holding company. The Company operates through its subsidiary, Cheviot Savings Bank (the Bank). The Bank is a savings and loan association. The Bank’s primary business activity is the origination of one-to-four family real estate loans. The Bank also originates construction, multi-family, commercial real estate and consumer loans. It also invests in securities, primarily United States Government Agency securities and mortgage-backed securities. As of December 31, 2013, the Bank had 11 full-service branches, all of which are located in Hamilton County, Ohio.