Elmira Savings Bank delivers a wide array of financial solutions tailored for both individual consumers and business entities. Its deposit offerings include various savings and money market accounts, certificates of deposit (CDs), and checking options for both retail and commercial clients, alongside NOW accounts. The institution provides diverse lending products, such as residential and commercial real estate loans, construction financing, and general commercial loans. Consumer credit solutions feature installment loans, overdraft lines of credit, and home equity loans, in addition to mortgage loans secured by first or second liens on properties ranging from single-family to four-family residences. Furthermore, Elmira Savings Bank manages a real estate investment trust and furnishes financial planning advisory services. The bank operates through a network of twelve full-service branches located across Chemung, Tompkins, Cayuga, Schuyler, and Steuben Counties, complemented by one limited-service office in Broome County, all within New York. Founded in 1869, the company is headquartered in Elmira, New York.