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 (ESB). The Company is also the parent company of ESB Capital Trust IV, which is a business trust established to facilitate the issuance of trust preferred securities to the public by the Company. ESB operates two wholly-owned subsidiaries: AMSCO, Inc., which engages in the management of certain real estate development partnerships on behalf of the Company and ESB Financial Services, Inc., a corporation which holds loans and other investments. 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. The Company invests in securities issued by the United States government and agencies and other investments permitted by federal law and regulations.