Westborough Financial Services, Inc. operates as the holding company for The Westborough Bank that offers financial products and services to individuals and small businesses in Massachusetts. The bank’s deposit products include savings deposits, NOW accounts, personal and business demand accounts, money market accounts, certificates of deposit, and individual retirement accounts. Its lending portfolio comprises residential mortgage loans, commercial mortgage loans, home equity loans, consumer loans, commercial real estate loans, and commercial and industrial loans. In addition, the bank provides online and phone banking services, and credit and debit cards, as well as operates automated teller machine facilities. As of November 29, 2006, it operated four full-service branches located in Westborough, Northborough, and Shrewsbury, Massachusetts. The company was founded in 1869 and is based in Westborough, Massachusetts. Westborough Financial Services, Inc. is a subsidiary of Westborough Bancorp, MHC.