Advance Financial Bancorp serves as the holding company for Advance Financial Savings Bank (the Bank), a federally chartered stock savings bank located in Wellsburg, West Virginia. The Bank operates a traditional savings bank business, attracting deposit accounts from the general public and using those deposits, together with other funds, primarily to originate and invest in loans secured by one- to four-family residential real estate, non-residential real estate and consumer and commercial assets. To a lesser extent, the Bank also originates multi-family real estate loans.