S.B.
Holding Co.
, Inc.
operates as the holding company of Union State Bank.
The bank’s products and services include checking accounts; NOW accounts; money market accounts; savings accounts (passbook and statement); certificates of deposit; retirement accounts; commercial, personal, residential, construction, home equity (second mortgage), and condominium mortgage loans; consumer loans; credit cards; safe deposit facilities; and other financial services.
The bank also provides automated teller machines, lock-box services, and Internet banking services.
It invests in U.
S. government agencies; mortgage-backed securities, including collateralized mortgage obligations; medium-term corporate debt securities; and bank and other equity securities.
The bank’s primary customers include individuals, municipalities, corporations, and small and medium-size businesses.
As of December 31, 2003, the company operated 25 retail banking facilities in Rockland and Westchester Counties, Manhattan, New York City, and Long Island, New York; northern New Jersey; and southern Connecticut, as well as Orange, Putnam, and Dutchess counties in New York.
U.
S.B.
Holding was incorporated in 1982 and is based in Orangeburg, New York.
