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A savings and loan is very similar to a commercial bank. It's a financial institution that accepts deposits from individuals and loans the money out to borrowers.
Savings and loan institutions date back to the mid-19th century in America. They were founded by communities to enable residents to purchase homes. The Great Depression took a toll on the S&Ls, of course, but they recovered after World War II, when returning veterans fueled a boom in homebuying.
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