OBA Financial Services, Inc. owns 100% of the common stock of OBA Bank (Bank). The Bank is a federally chartered savings bank headquartered in Germantown, Maryland. The Bank is a wholly owned subsidiary of OBA Financial Services, Inc. The Bank provides financial services to individuals, families, and businesses through six banking offices located in the Maryland counties of Montgomery, Anne Arundel, and Howard. The Bank�s business consists primarily of accepting deposits from the general public and investing those deposits, together with funds generated from operations and borrowings, in commercial real estate, commercial business, and residential mortgage loans, home equity loans and lines of credit, and investment securities. The Bank also originates construction loans and other consumer loans. The Bank offers a range of deposit accounts, including commercial and consumer checking, money market, savings, individual retirement accounts, and certificates of deposit.