First Niagara Financial Group, Inc. operates as a bank holding company for First Niagara Bank, N.A. that provides retail and commercial banking, and other financial services to individuals, families, and businesses. Its deposit products include savings and money market; certificate of deposit accounts, as well as municipal deposits; and commercial checking offerings with treasury management services. The company’s loan portfolio comprise commercial business loans; commercial real estate and multi-family lending products; residential real estate lending products; home equity lending products; indirect automobile lending products; credit cards; and other consumer loans, such as personal secured and unsecured loans, and overdraft lines of credit. It also offers wealth management services through various third party investment vehicles comprising separately managed accounts, bonds, exchange traded funds, and mutual funds, as well as provides retirement planning, education funding, and wealth protection products and services, such as stocks, bonds, mutual funds, annuities, life insurance, long term care insurance, and advisory products. In addition, it sells insurance products consisting of business and personal insurance, surety bonds, life, disability, and long-term care coverage products; and offers risk management advisory services, such as alternative risk and self-insurance, claims investigation and adjusting, and third party administration of self-insured workers’ compensation plans. As of December 31, 2015, the company operated a network of 392 bank branches, including 190 in New York located near Buffalo, Rochester, Syracuse, and Albany; 118 branches in Pennsylvania situated near Philadelphia, Pittsburgh, Erie, and Warren; 75 branches in Connecticut located near New Haven and Hartford; and 9 in Western Massachusetts situated near Springfield. First Niagara Financial Group, Inc. was founded in 1870 and is headquartered in Buffalo, New York.