Westbury Bancorp, Inc. is a savings and loan holding company for Westbury Bank (the Bank). Westbury Bank is a federally chartered savings bank. The Bank's business consists of attracting retail deposits from the public in its market area and investing those deposits, together with funds generated from operations and borrowings, in commercial and multifamily real estate loans, one- to four-family residential real estate loans, commercial business loans, and construction loans and consumer loans, including home equity lines of credit and automobile loans. The Bank also purchases investment securities consisting of securities issued by the United States government and its agencies and government-sponsored enterprises, mortgage-backed securities and collateralized mortgage obligations issued by government-sponsored enterprises, municipal securities and corporate securities. Its market area consists of Washington and Waukesha Counties, Wisconsin.