Cheviot Financial Corp. is a mid-tier stock holding company for Cheviot Savings Bank (the Bank). Its primary business activity is the origination of one- to four-family real estate loans. To a lesser extent, it originates construction, multi-family, commercial real estate and consumer loans. The Bank also invests in securities, primarily United States Government Agency securities and mortgage-backed securities. It conducts the operations from Cheviot, Ohio and six full-service branches located in the western section of Hamilton County, Ohio.