Elmira Savings Bank

Overview / Commentary
333 East Water Street
Elmira, NY 14901

Elmira Savings Bank is headquartered in Elmira and is the 74th largest bank in the state of New York. It is also the 1,351st largest bank in the nation. It was established in 1869 and as of March of 2021, it had grown to 114 employees at 12 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 - YTD0.74%
Return on Equity - YTD7.89%
Annual Interest Income$5.4MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$659.6MM$598.2MM
LoansQ1 2021vs Q1 2020$480.2MM$509.7MM
DepositsQ1 2021vs Q1 2020$561.0MM$502.4MM
Equity CapitalQ1 2021vs Q1 2020$61.4MM$59.0MM
Loan Loss AllowanceQ1 2021vs Q1 2020$5.9MM$4.6MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$5.4MM$4.3MM
Real Estate OwnedQ1 2021vs Q1 2020$162.00K$297.00K
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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

0.40%$5k-14 Month Step CD - $1000 New Money
0.30%$5k-7 Month Step CD - $1000 New Money

Elmira Savings Bank IRA Rates

0.40%$500-18 Month IRA


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