Westbury Bancorp, Inc. is the holding company of Westbury Bank. Westbury Bank is a federally-chartered savings bank. It provides financial services to individuals, families and businesses through its 12 banking offices located in Washington County, Waukesha County and northern Milwaukee County and two home loan centers, from which it originates residential mortgages. It also operates automated teller machines (ATMs) at locations other than its branches, and offer online and mobile banking services, participation in a nationwide ATM network and wealth management services. At December 31, 2012, the Bank�s foreclosed real estate included primarily one- to four-family residential real estate, multi-family and commercial real estate properties. At December 31, 2012, the Bank�s net loans were $367.8 million. The Bank�s Investment securities available for was $57.4 million at December 31, 2012.