First Defiance Financial Corp. (First Defiance) is a unitary thrift holding company that focuses on traditional banking and property and casualty, life and group health insurance products. The Company operates through its subsidiaries, First Federal Bank of the Midwest (First Federal or the Bank), First Insurance Group of the Midwest, Inc. (First Insurance) and First Defiance Risk Management Inc. First Federal is a federally chartered stock savings bank. First Insurance offers property and casualty, and group health and life insurance products. First Defiance Risk Management Inc. is an insurance subsidiary, which insures the Company and its subsidiaries against risks of its operations. The Company conducts operations through over 30 banking center offices in northwest Ohio; two banking center offices in northeast Indiana; five banking center offices in southeast Michigan, and a commercial loan production office in Hilliard, Ohio.