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Oneida Financial Corp. owns all of the capital stock of The Oneida Savings Bank (the Bank). The Company is majority-owned by Oneida Financial, MHC, and a federally-chartered mutual holding company. The Bank is a community bank engaged primarily in the business of accepting deposits from customers and using those deposits, together with funds generated from operations and borrowings to make one-to-four family residential and commercial real estate loans, commercial business loans, consumer loans and to invest in mortgage-backed and other securities. The Bank also sells insurance and other commercial services and products through Bailey & Haskell Associates, Inc. In addition, it provides medical services to mitigate and prevent work related injuries through its wholly-owned subsidiary Workplace Health Solutions, Inc. Its subsidiaries include Oneida Preferred Funding Corp., SBC Financial Corporation, Parsons, Cote & Company, Inc., Benefit Consulting Group LLC and Vernon Bank Corporation.(Source: 10-K)