MSB Financial Corporation is a holding company for Millington Savings Bank, which was established in 1911 and is a community-based financial institution that offers a range of deposit and lending services. It provides services to the residents of Somerset and Morris counties in New Jersey. The bank offers financing solutions for local churches, fire departments, first-aid squads and schools. It provides savings and checking accounts, as well as certificates of deposit. The bank additionally offers individual retirement accounts, as well as investment options in the money markets. It provides mortgages and loans for new construction, home improvement, real estate development and vehicle purchase. The bank also offers night depository, direct deposit, gift check, safe-deposit box rental, wire transfer, money order, and online and 24-hour telephone banking services. It operates a network of ATMs. Millington Savings Bank is a member of the Federal Deposit Insurance Corporation.