Elmira Savings Bank

Overview / Commentary
333 East Water Street
Elmira, NY 14901

Elmira Savings Bank is headquartered in Elmira and is the 73rd largest bank in the state of New York. It is also the 1,330th largest bank in the nation. It was established in 1869 and as of December of 2020, 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 - YTD0.65%
Return on Equity - YTD6.99%
Annual Interest Income$22.5MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$644.8MM$607.0MM
LoansQ4 2020vs Q4 2019$483.6MM$515.9MM
DepositsQ4 2020vs Q4 2019$547.9MM$512.6MM
Equity CapitalQ4 2020vs Q4 2019$60.7MM$58.6MM
Loan Loss AllowanceQ4 2020vs Q4 2019$5.8MM$4.6MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$5.1MM$4.2MM
Real Estate OwnedQ4 2020vs Q4 2019$162.00K$431.00K
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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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