ESB Financial Corporation operates as a thrift holding company for ESB Bank that provides retail and commercial financial products and services in western Pennsylvania. Its deposit products include regular savings accounts, checking and money market accounts, and certificate accounts, as well as NOW and passbook account deposits, non-interest bearing deposits, and time deposits. The company also offers single- and multi-family residential mortgage loans; construction loans; commercial real estate loans; commercial business loans, including credit cards; and consumer loans, such as loans secured by deposit accounts, home improvement loans, education loans, automobile loans, home equity loans, and secured and unsecured personal loans. In addition, ESB Financial Corporation, through its subsidiaries, issues trust preferred securities to the public; and provides residential and commercial loan closing, and title insurance services. Further, the company engages in the real estate development and construction of 1-4 family residential units. As of December 31, 2011, it operated 25 offices in Allegheny, Beaver, Butler, and Lawrence counties in western Pennsylvania. ESB Financial Corporation was founded in 1915 and is headquartered in Ellwood City, Pennsylvania.