You don't need CliffsNotes to figure out that Clifton Bancorp (formerly Clifton Savings Bancorp) is the holding company of Clifton Savings Bank, which operates about a dozen branches in northeastern New Jersey's Bergen and Passaic counties. Founded in 1928, the bank serves consumer and business clients, offering checking and savings accounts, IRAs, CDs, and mortgages and other loans. Its lending portfolio is dominated by real estate loans, primarily one- to four-family residential mortgages; the bank also issues multifamily and commercial real estate, construction, and consumer loans. Bank subsidiary Botany manages investments and securities and has total assets of $205 million.