First Defiance Financial is a holding company. Through its subsidiaries, First Federal Bank of the Midwest (First Federal), First Insurance Group of the Midwest, Inc., and First Defiance Risk Management Inc., Co. focuses on banking and property, casualty, life and group health insurance products. First Federal is a federally chartered stock savings bank. First Federal is primarily engaged in community banking. It accepts deposits from the general public through its offices and website, and uses those and other available sources of funds to originate residential real estate loans, commercial real estate loans, commercial loans, home improvement and home equity loans and consumer loans.