Michael A. Shriner

MSB Financial Corp. is a bank holding company, which engages in the provision of traditional deposits and lending services through the Bank. It operates through the following segments: Residential Mortgage, Commercial Real Estate, Construction, Commercial and Industrial, and Consumer. The Residential Mortgage segment offers four-family loans, which are first liens, and home equity loans, which consist of first and second liens. The Commercial Real Estate segment consists of owner and non-owner occupied loans and is further disaggregated into owner-occupied loans and investor properties, which have medium risk due to historical activity on these type loans. The Construction segment offers one-to four-family owner occupied, which includes land loans. The Commercial and Industrial segment covers loans made for the purpose of financing the activities of commercial customers. The Consumer segment includes installment loans and overdraft lines of credit connected with customer deposit accounts. The company was founded in 1911 and is headquartered in Millington, NJ.

Millington Bank provides personal and business banking services. It offers home mortgages, personal loans, business loans, value checking, and safe deposit boxes. The company is headquartered in Millington, NJ.

New Jersey League of Community Bankers operated as an association of local bank presidents. The company was headquartered in Cranford, NJ.

BCB Community Bank is a thriving community bank that prides itself on hard work, friendly and knowledgeable customer service, with all the conveniences of local banking. Since November of 2000, BCB has been offering a wide range of loans, deposit products, and retail and commercial banking services. As of today, there are six lobby-service branches and one administrative office located in Bayonne, two lobby-service branches in Hoboken, one in Jersey City, and one in Monroe Township. BCB continues to find ways of improving its services for an enjoyable and hassle-free banking experience seven days a week