Neffs Bancorp, Inc. is a bank holding company of The Neffs National Bank (the Bank). The Bank provides a full range of financial services to individuals, small businesses, and corporate customers. The Bank operates from two locations in Lehigh County and Northampton County, Pennsylvania. The Bank is engaged in providing residential mortgages, consumer loans and commercial loans to customers located within the Lehigh Valley of Pennsylvania. Its primary deposits are checking accounts, savings accounts, and certificates of deposit. Its personal banking products and services include consumer credit, student loans, credit cards, Neffs online banking, checking accounts, money market demand accounts, free savings and club accounts, young savers & young adult savers and certificates of deposit/individual retirement account (IRAS). Its commercial loans include commercial credit, remote deposit capture, business checking accounts, money market demand accounts and others.