Wayne Savings Bancshares, Inc. has investments in Wayne Savings Community Bank (Bank). The Bank is a community-oriented savings institution offering traditional financial services to its local community. Its principal business activity consists of originating one- to four-family residential real estate loans in its market area. The Bank also originates multi-family residential, non-residential real estate and commercial business loans, although such loans constitute a small portion of the Bank's lending activities and a small portion of its loan portfolio.