BCSB Bankcorp, Inc. serves as the holding company for Baltimore County Savings Bank, F.S.B. (the Bank). The Banks principal business consists of attracting deposits from the general public and investing these funds in loans secured by first mortgages on owner-occupied, single-family residences in its market area, and, to a lesser extent, other real estate loans, consisting of construction loans, single-family rental property loans and commercial real estate loans and consumer loans, particularly automobile loans. Baltimore County Savings Bank operates through 16 banking offices serving the Baltimore, Maryland, metropolitan area.