Roma Financial Corporation is a unitary savings and loan holding company that operates through its wholly owned subsidiaries, Roma Bank and RomAsia Bank. Roma Bank and RomAsia Bank are collectively referred to as the Banks. The Banks are federally chartered stock savings banks. The Bank offers traditional retail banking services, one- to four-family residential mortgage loans, multi-family and commercial mortgage loans, construction loans, commercial business loans, and consumer loans, including home equity loans and lines of credit. As of December 31, 2008, Roma Bank operated from its main office in Robbinsville, New Jersey, and 13 branch offices located in Mercer, Burlington and Ocean Counties, New Jersey.