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PCSB Financial Corp. operates as a bank holding company. Through its subsidiary, PCSB Bank, it provides banking services. It operates through the following segments: Residential Loans, Commercial Mortgage Loans, Construction Loans, Commercial Loans, Home Equity Lines of Credit, and Consumer and Overdraft Loans. The Residential Loans segment refers to the borrower's ability to make repayment from his or her employment income or other income. The Commercial Mortgage Loans segment includes mortgage loans and multifamily real estate loans. The Construction Loans segment consists of construction financing. The Commercial Loans segment consists of the borrower's ability to make repayment from the cash flow of the borrower's business. The Home Equity Lines of Credit segment is primarily for home equity loans to residential mortgage customers within the primary market area. The Consumer and Overdraft segment is for consumer loans generally having shorter terms and higher interest rates than one-to-four family mortgage loans. The company was founded in 1986 and is headquartered in Yorktown Heights, NY.
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