BCSB Bancorp Inc. (BCSB Bancorp) is the holding company for Baltimore County Savings Bank, F.S.B. (the Bank). The Company is primarily engaged in the business of directing, planning, and coordinating the business activities of the Bank. The Bank is a community-oriented financial institution serving the financial service needs of consumers and businesses within its market area, which consists of the Baltimore Metropolitan Area. The Bank attracts deposits from the general public and invests these funds in loans secured by first mortgages on owner-occupied, single-family residences in its market area and other real estate loans consisting of commercial real estate loans, construction loans and single-family rental property loans. The Bank also originates consumer loans and commercial loans.