Clifton Savings Bancorp, Inc. is the holding company for Clifton Savings Bank, S.L.A. (the Bank). The Company operates as a community-oriented financial institution offering traditional financial services to consumers and businesses in its market area. It attracts deposits from the general public and uses those funds to originate one- to four-family, multi-family, commercial real estate and consumer loans, which its holds for investment. Clifton is headquartered in Clifton, New Jersey, which is located in northeast New Jersey and situated approximately 20 miles west of New York City. In addition to its main office located in Passaic County, the Company operates nine branch offices in Bergen and Passaic counties, which, along with Essex County, it considers its primary market area.