Columbia Financial Corporation is a bank holding company whose assets are primarily those of it wholly owned subsidiary, First Columbia Bank & Trust Company. First Columbia Bank & Trust is a full-service community commercial bank, serving a market area in Columbia, Montour, Luzerne, Lycoming, Northumberland and Schuykill counties. The bank engages in a full line of personal, business and municipal financial services and alternative investment products, such as a line of corporate and personal fiduciary services. The bank addresses these markets through its main office and nearly 10 community branch offices. Personal banking options the bank provides customers with include checking accounts, savings accounts, certificates of deposit, money market accounts, and debit and automated teller machine cards. Business banking products include business checking accounts, small business checking accounts, savings accounts, certificates of deposit, money market accounts and cash management services. First Columbia Bank & Trust Company is located in Bloomsburg, Pa.