Organized in 1870, First Niagara Bank provides financial services to individuals, families and businesses across the United States. It is one of the leading community banks in Upstate New York and western Pennsylvania. The bank provides its retail consumer and business customers with an array of banking services, including residential/commercial real estate loans, consumer loans, wealth management products, as well as retail/commercial deposit products. First Niagara Bank's subsidiary, First Niagara Risk Management Inc., is a full-service insurance agency and employee benefits consulting firm engaged in the sale of insurance products.