First Niagara Financial Group, Inc. operates as the holding company for First Niagara Bank, N.A. that provides retail and commercial banking, and other financial services to individuals, families, and businesses. It offers various deposit products, including savings, negotiable order of withdrawal, checking, money market, and certificate of deposit accounts; and business savings and checking, money market, and cash management accounts, as well as municipal deposits. The company’s loan portfolio comprises commercial business loans, commercial real estate and multi-family lending, residential real estate lending, home equity lending, and consumer loans consisting of indirect mobile home loans, personal secured loans, and unsecured loans. It also sells insurance products, including business and personal insurance, surety bonds, life, disability, and long-term care coverage products. In addition, the company offers risk management advisory services comprising alternative risk and self-insurance services, claims investigation and adjusting services, and third party administration services for self insured workers’ compensation plans. Further, it provides employee benefits plan and compensation consulting services. Additionally, First Niagara Financial Group offers wealth management services that manage client funds utilizing various third party investment vehicles consisting of 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. As of March 31, 2012, it had 334 full-service branch locations across upstate New York, Pennsylvania, Connecticut, and western Massachusetts. The company was founded in 1870 and is based in Buffalo, New York.