Named for its hometown, not its attitude, First Defiance Financial is the holding company for First Federal Bank of the Midwest, which operates more than 35 branches serving northwestern Ohio, western Indiana, and southern Michigan. The bank offers standard deposit products including checking, savings, and money market accounts and CDs. Commercial real estate loans account for about 40% of the bank's loan portfolio; residential mortgages make up about another 20%. The company's insurance agency subsidiary, First Insurance & Investments, provides life insurance, property/casualty coverage, and investments. In 2008 First Defiance bought Pavilion Bancorp, giving the bank its first branches in Michigan.