CMS Bancorp, Inc. (CMS Bancorp) is a unitary savings and loan holding company. The Company’s business is its investment in Community Mutual Savings Bank (Community Mutual). The Company operates through it’s wholly owned subsidiary, Community Mutual. Community Mutual’s principal business is accepting deposits from the general public and using those deposits to make residential loans, as well as commercial real estate loans and consumer loans to individuals and small businesses primarily in Westchester County and the neighbouring areas in New York State. Community Mutual also invests in short- and medium-term marketable securities and other liquid investments.