BSB Bancorp, Inc. (BSB Bancorp), incorporated on June 2, 2011, is a bank holding company of Belmont Savings Bank (the Bank). The Company's Belmont Savings Bank is a chartered savings bank. The Bank's business consists primarily of accepting deposits from the general public, small businesses and municipalities, and investing those deposits, together with funds generated from operations and borrowings, in one- to four-family residential mortgage loans, commercial real estate loans, multi-family real estate loans, home equity lines of credit, indirect automobile loans (automobile loans assigned to it by automobile dealerships), commercial business loans, construction loans and investment securities. The Bank also makes other consumer loans and second mortgage loans. The Bank offers a range of deposit accounts, including relationship checking accounts for consumers and businesses, passbook and statement savings accounts, certificates of deposit, money market accounts, Interest on Lawyer Trust Accounts (IOLTA), commercial, municipal and regular checking accounts, and Individual Retirement Accounts (IRAs). The Bank offers a range of commercial and retail banking services, which include cash management, online and mobile banking, and global payments and foreign exchange. The Bank conducts operations from over six full service branch offices located in Belmont, Watertown, Waltham, Newton and Cambridge in Southeast Middlesex County, Massachusetts. Its primary lending market includes Essex, Middlesex, Norfolk and Suffolk Counties, Massachusetts. ...
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