CFS Bancorp, Inc. is a unitary savings and loan holding company. The Company operates in one operating segment, community banking. It operates one wholly owned subsidiary, Citizens Financial Bank (the Bank). The Company offers a variety of checking, savings and other deposit accounts. It also offers investment services and securities brokerage targeted to individuals, families and small- to medium-sized businesses in its market areas through a non-affiliated third-party provider. It products also include public fund deposits, a range of sweep products, including repurchase sweep accounts, zero balance accounts, remote deposit capture and merchant services, business overdraft privilege, business online banking and other cash management related services. The Company opened a banking center in St. John, Indiana in September 2009.