ASB Financial Corp. (OH) (ASB) is a unitary savings and loan holding company that owns American Savings Bank, fsb (American), a federal savings bank. American is engaged principally in the business of originating real estate loans secured by first mortgages on one- to four-family residential real estate located in Americans primary market area, which consists of the cities of Portsmouth and Waverly, Ohio, and contiguous areas of Scioto County and Pike County, Ohio. American also makes loans secured by multi-family real estate (over four units) and non-residential real estate and secured and unsecured consumer loans. In addition, American purchases interests in multi-family real estate and non-residential real estate loans originated and serviced by other lenders.