First Niagara Financial Group, Inc. operates as the holding company for First Niagara Bank. The bank provides various banking and financial services primarily in New York. It offers various deposit products, such as savings, NOW, checking, money market, and certificate of deposit accounts, as well as business savings and checking, money market, and cash management services. The bank’s loan portfolio includes commercial real estate and multifamily, construction, mortgage, and business term loans; letters of credit and lines-of-credit; residential real estate, home equity, and mortgage loans; and consumer loans, including indirect new and used automobile, mobile home, education, and...