Elmira Savings Bank

Our records indicate that this bank has been acquired by Community Bank, National Association.

Elmira Savings Bank is an FDIC insured institution headquartered at 333 East Water Street, Elmira, NY 14901.
It was founded in 1869 and has approximately $1 billion in assets. Customers can open an account at one of its 13 branches.

Deposit Rates - November 04, 2025

SAVINGS RATES	APY	MIN
Savings	0.03%	$200	Compare

CD RATES	APY	MIN
6 Mo CD	0.08%	$10,000	Compare
6 Mo CD	0.08%	$100,000	Compare
Special: 9 Mo CD	0.70%	$10,000	Compare
12 Mo CD	0.10%	$10,000	Compare
12 Mo CD	0.15%	$100,000	Compare
12 Mo CD	0.10%	$100,000	Compare
Special: 15 Mo CD	0.90%	$10,000	Compare
18 Mo CD	0.10%	$10,000	Compare
18 Mo CD	0.10%	$100,000	Compare
24 Mo CD	0.25%	$10,000	Compare
24 Mo CD	0.25%	$100,000	Compare
30 Mo CD	0.25%	$10,000	Compare
30 Mo CD	0.25%	$100,000	Compare
36 Mo CD	0.30%	$10,000	Compare
36 Mo CD	0.30%	$100,000	Compare
48 Mo CD	0.40%	$10,000	Compare
48 Mo CD	0.40%	$100,000	Compare
60 Mo CD	0.60%	$10,000	Compare
60 Mo CD	0.60%	$100,000	Compare

MM RATES	APY	MIN
Money Market	0.03%	$500	Compare
Money Market	0.03%	$2,500	Compare
Money Market	0.03%	$25,000	Compare

FIXED IRA RATES	APY	MIN
Fixed IRA	0.10%	$1
Special: 18 Mo FIRA	1.00%	$500

Loan Rates - November 04, 2025

MORTGAGE PURCHASE	APR(%)	MONTHLY PAYMENT
10 Year Fixed Jumbo	6.21%	$3,552.66
10 Year Adjustable Conforming	6.61%	$1,997.43
15 Year Fixed Jumbo	6.14%	$2,700.34
15 Year Fixed Conforming	6.42%	$2,700.34
20 Year Fixed Conforming	6.83%	$2,385.83
30 Year Fixed Jumbo	6.63%	$2,064.89
30 Year Fixed Conforming	6.86%	$2,050.05

MORTGAGE REFINANCE	APR(%)	MONTHLY PAYMENT
10 Year Fixed Jumbo	6.21%	$3,552.66
10 Year Adjustable Conforming	6.61%	$1,997.43
15 Year Fixed Jumbo	6.14%	$2,700.34
15 Year Fixed Conforming	6.42%	$2,700.34
20 Year Fixed Conforming	6.83%	$2,385.83
30 Year Fixed Jumbo	6.63%	$2,064.89
30 Year Fixed Conforming	6.86%	$2,050.05

See Other Mortgage Rates →

Overview 2025

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 16001
Date Established	1869
Assets	$ 632.40 million
Loans	$ 452.96 million
Deposits	$ 524.36 million
Capital	$ 64.65 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions	$ 91.10 million
Interest-bearing balances	$ 83.94 million
Total securities	$ 9.63 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 452.96 million
Loan loss allowance	$ 5.57 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	$ 0.44 million
Goodwill and other intangibles	$ 13.85 million
All other assets	$ 28.00 million
Total Assets	$ 548.91 million

LIABILITIES
Total deposits	$ 524.36 million
Interest-bearing deposits	$ 408.34 million
Deposits held in domestic offices	$ 524.36 million
% insured (estimated)"	80.68%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	$ 21.21 million
Subordinated debt	N.A.
All other liabilities	$ 3.34 millionn
Total Liabilities	$ 548.91 million
Shareholders’ Equity	$ 83.49 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income	$ 4.51 million
Total Interest Expense	$ 0.39 million
Net interest income	$ 4.12 million
Provision for loan and lease losses	N.A.
Total non interest income	$ 0.89 million
Total non interest expense	$ 3.53 million
Pre-tax Net Operating Income	$ 1.49 million

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