Elmira Savings Bank (the Bank), formerly Elmira Savings Bank, FSB, is a federally chartered mutual savings bank. The Bank conducts its business through 13 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. The Bank has two subsidiaries: ESB Realty Corp. and ESB Advisory Services, Inc. ESB Realty Corp. It operates as a real estate investment trust. The Bank offers financial services products and financial planning advisory services through its wholly owned subsidiary, ESB Advisory Services, Inc.