First Niagara Financial Group, Inc. operates as the bank holding company for First Niagara Bank, N.A. that provides retail and commercial banking, and other financial services to individuals, families, and businesses. Its retail deposit products include savings, negotiable order of withdrawal, checking, money market, and certificate of deposit accounts; and commercial deposit products consist of business savings and checking, money market, and cash management accounts, as well as municipal deposits. The company’s loan portfolio comprises commercial business loans; commercial real estate and multi-family lending; residential real estate lending; home equity lending; consumer loans, such as personal secured and unsecured loans, automobile loans, and overdraft lines of credit; indirect automobile lending; and credit cards. It also provides wealth management services to manage client funds utilizing various third party investment vehicles consisting of separately managed accounts, bonds, exchange traded funds, and mutual funds, as well as provides retirement planning, education funding and wealth protection products and services, such as stocks, bonds, mutual funds, annuities, life insurance, long term care insurance, and advisory products. In addition, the company sells insurance products, including business and personal insurance, and surety bonds, as well as life, disability, and long-term care coverage products. Further, it offers risk management advisory services comprising alternative risk and self-insurance, claims investigation and adjusting, and third party administration of self-insured workers’ compensation plans. As of December 31, 2012, the company operated 205 full-service branches located across upstate New York; 129 full-service branches in Pennsylvania; 85 branches in Connecticut; and 11 branches in Western Massachusetts. First Niagara Financial Group, Inc. was founded in 1870 and is headquartered in Buffalo, New York.

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