Elmira Savings Bank is engaged primarily in the business of accepting deposits from the general public and originating mortgage loans secured by first and second liens on one-to-four family residences, consumer loans on automobiles, general consumer loans, commercial real estate loans and commercial loans. The company's market areas are in Elmira, NY, Ithaca, NY, and Corning, NY, and include the surrounding communities in the southern tier and central New York region. The company's subsidiaries are: ESB Realty Corp., which operates as a real estate investment trust; and ESB Advisory Services, Inc., which provides financial services products and financial planning advisory services.
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