Cheviot Financial Corp. is a unitary savings and loan holding company. The Company owns 100% of 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. The Bank has 11 full-service branches, all of which are located in Hamilton County, Ohio. Hamilton County, Ohio represents the bank's primary geographic market area for loans and deposits with its remaining business operations conducted in the Cincinnati metropolitan area, which includes Warren, Butler and Clermont Counties. It also conducts business in the southeastern Indiana region, primarily in Dearborn, Ripley, Franklin and Ohio Counties.