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 ESB Capital Trust II (the Trust II), ESB Statutory Trust III (the Trust III) and ESB Capital Trust IV (the Trust IV). The Bank 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., which holds loans and other investments. 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.