Elmira Savings Bank (the Bank), formerly Elmira Savings Bank, FSB, is a federally chartered mutual savings bank. As of January 1, 2012, the Bank converted from a federally chartered savings bank to a New York State chartered savings bank. The Bank conducts its business through 10 full service offices located in Chemung, Tompkins, Cayuga, and Steuben Counties, New York, one limited service office located in Tompkins County, New York, and one branch in Schuyler County, New York. It has two subsidiaries: ESB Realty Corp. and ESB Advisory Services, Inc. ESB Realty Corp. It operates as a real estate investment trust. It offers financial services products and financial planning advisory services through its wholly owned subsidiary, ESB Advisory Services, Inc. Its deposits are insured by the Federal Deposit Insurance Corporation (FDIC). Its market areas are in Elmira, New York, and Ithaca, New York, and include the surrounding communities in the southern tier and and central New York region.