United Financial Bancorp, Inc. is a holding company for United Bank (the bank). The Company�s assets consist of its investment in United Bank and its liquid investments. The Company is primarily engaged in the business of directing, planning, and coordinating the business activities of the Bank. United Bank�s principal business consists of attracting retail deposits from the general public in the areas surrounding its main office in West Springfield, Massachusetts and its 16 branch offices located in its Springfield Region and six branches in the Worcester Region (West Boylston, Whitinsville, Worcester and Shrewsbury, Massachusetts). It invest those deposits, together with funds generated from operations, in one- to four-family residential mortgage loans, as well as in home equity loans and lines of credit, commercial real estate loans, construction loans, commercial and industrial loans, automobile loans, other consumer loans and investment securities.