Polonia Bancorp, Inc. (Polonia Bancorp) is a savings and loan holding company. The Company operates as the holding company of Polonia Bank (the Bank), which is engaged primarily in the business of attracting deposits from the general public and using such funds to originate loans. The Bank also maintains an investment portfolio. The Bank's loan portfolio consists of one- to four-family residential real estate loans. The Bank's loan portfolio also includes multi-family and non-residential real estate loans, home equity loans, commercial loans and consumer loans. The Bank offers fixed-rate mortgage products. The Bank offers fixed-rate mortgage loans secured by multi-family and non-residential real estate. Its multi-family and nonresidential real estate loans are secured by owner-occupied properties, small office and apartment buildings. Its subsidiaries include PBMHC Company (PBMHC) and Community Abstract Agency, LLC (CAA). CAA provides title insurance on loans secured by real estate.