Elmira Savings Bank is a mutual savings bank. The Bank is engaged primarily in the business of attracting deposits from the public and originating mortgage loans secured by first and second liens on one-to-four family residences, consumer loans on automobiles, general consumer loans, commercial real estate loans and commercial loans. The Bank offers a variety of services to its individual and commercial customers. The Bank has two subsidiaries: ESB Realty Corp. and ESB Advisory Services, Inc. ESB Realty Corp. operates as a real estate investment trust. The Bank, through its wholly-owned subsidiary, ESB Advisory Services, Inc., offers financial services products and financial planning advisory services.