Cortland Bancorp, Inc. operates as a financial holding entity, delivering a broad spectrum of commercial and consumer banking solutions primarily through its core operating subsidiary, The Cortland Savings and Banking Company. This corporation, headquartered in Cortland, Ohio, currently employs a staff of 144 full-time individuals. The Bancorp's central role involves the ownership, oversight, and management of The Cortland Savings and Banking Company, frequently referred to as Cortland Banks or simply the Bank. Its operations are predominantly focused within the commercial banking sector. As a state-chartered institution, the Bank is actively engaged in both commercial and retail financial services. Its extensive range of banking products encompasses checking, savings, and time deposit accounts, along with various lending options including commercial, mortgage, and installment loans. Customers also benefit from conveniences such as night depository services, automated teller machines, safe deposit boxes, and a variety of other auxiliary offerings. Furthermore, the Bank extends its services to include brokerage and investment solutions for its clientele through a strategic partnership with Investment Professionals, Inc. Under this collaboration, financial advisors provide clients with a diverse portfolio of investment instruments, covering areas like estate planning guidance, annuities, life insurance policies, fixed income products, equity investments, and comprehensive equity research and advisory services. In addition, the Bank, working with Investment Professionals, Inc., also offers asset management capabilities to its customers.