Oritani Financial is a savings and loan holding company for Oritani Bank that provides various banking services for individual and corporate customers. The Bank offers a range of retail and commercial loan and deposit products, its loan portfolio includes residential loans, residential commercial real estate loans, credit or grocery retail commercial real estate loans, other commercial real estate loans, and construction and land loans; its investment securities are classified as held to maturity, including mortgage-backed securities, and available for sale, including equity securities and mortgage-backed securities. Oritani Bank's deposits include checking (non-interest and interest-bearing demand deposits), money market deposit accounts, savings accounts and time deposits.