Elmira Savings Bank

Overview / Commentary
333 East Water Street
Elmira, NY 14901

Elmira Savings Bank is headquartered in Elmira and is the 65th largest bank in the state of New York. It is also the 1,219th largest bank in the nation. It was established in 1869 and as of September of 2019, it had grown to 127 employees at 13 locations. Elmira Savings Bank has an A health rating.

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Health Grade Components

FDIC Certificate #16001
Year Established1869
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD5.83%
Annual Interest Income$17.3MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$615.9MM$571.0MM
LoansQ3 2019vs Q3 2018$515.4MM$465.3MM
DepositsQ3 2019vs Q3 2018$522.5MM$473.4MM
Equity CapitalQ3 2019vs Q3 2018$58.4MM$57.5MM
Loan Loss AllowanceQ3 2019vs Q3 2018$4.6MM$4.4MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$4.7MM$4.4MM
Real Estate OwnedQ3 2019vs Q3 2018$172.00K$79.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Elmira Savings Bank Checking Account Rates

2.00%*-$25kSuper E Checking - New Accounts
OTHER TIERS: 0.03% $25k+

Elmira Savings Bank CD Rates

1.65%$10k-2 Year Step CD Special
1.65%$10k-Business 2 Year Step CD Special
1.50%$10k-9 Month CD Special -- $10,000 New Money
1.50%$10k-Business 9 Month CD Special -- $10,000 New Money

Elmira Savings Bank IRA Rates

2.00%$500-18 Month IRA Special
2.00%$500-Business 18 Month IRA Special


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