CMS Bancorp, Inc. operates as the bank holding company for CMS Bank that provides various banking services to individuals and small businesses primarily in Westchester County and the neighboring areas in New York State. The Company's primary market area is Westchester County, New York, a northern suburb of New York City. It conducts its retail banking operations from its corporate administrative office located in White Plains, the county seat for Westchester, and five retail banking offices located in Eastchester, Greenburgh, Mount Kisco, Mount Vernon, and East White Plains, New York. CMS's principal business is accepting deposits from the general public and using those deposits to make residential loans, as well as commercial real estate loans and loans to individuals and small businesses primarily in Westchester County and the neighboring areas in New York State.