# ELMIRA SAVINGS BANK
ELMIRA, NY · FDIC certificate 16001 · asset band $300M-1B · latest filing 2022-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $613.6M | |
| Deposits | $524.4M | |
| Loans and leases | $458.5M | |
| Total equity | $64.7M | |
| Loans / deposits | 86.38% (p84 of band) | 67.37% |
| Liquid assets / assets | 16.42% (p8 of band) | |
| Uninsured deposits / deposits | 19.33% (p19 of band) | 27.42% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.46% (p64 of band) | |
| FHLB advances / assets | 3.26% | |
| Tier 1 leverage | 9.04% (p31 of band) | 9.71% |
| Unrealized securities loss / equity | -0.11% (p95 of band) | -11.40% |
| AOCI / equity | -0.15% (p92 of band) | |
| ROA (annualized) | 0.75% (p34 of band) | 0.94% |
| Net interest margin | 2.96% (p41 of band) | 3.10% |
| Efficiency ratio | 70.36% (p62 of band) | |
| Noncurrent loans | 0.82% (p78 of band) | 0.29% |
| Net charge-offs (annualized) | 0.03% (p86 of band) | |
| Reserve coverage of noncurrent | 148.98% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 5.89% (p11 of band) | |
| Auto loans | $11.2M (2.43% of loans; DQ 0.32%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -6.5% | |
| Employees | 99 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 1 |  | wholesale funding >15% |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 2 | loans exceed deposits |  |
| 2014-12 | 2 | capital falling | loans exceed deposits |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 | loans exceed deposits | capital falling |
| 2016-03 | 3 | liquid assets <10% |  |
| 2016-06 | 2 |  | loans exceed deposits |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | liquid assets <10% |
| 2017-03 | 1 | liquid assets <10% | reserve under noncurrent |
| 2017-06 | 1 | uninsured deposits leaving | liquid assets <10% |
| 2017-09 | 0 |  | uninsured deposits leaving |
| 2017-12 | 3 | liquid assets <10%, capital falling, uninsured deposits leaving |  |
| 2018-03 | 1 |  | capital falling, uninsured deposits leaving |
| 2018-06 | 2 | reserve under noncurrent |  |
| 2018-09 | 2 | capital falling | reserve under noncurrent |
| 2018-12 | 3 | reserve under noncurrent |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 | loans exceed deposits | capital falling, reserve under noncurrent |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 | reserve under noncurrent | liquid assets <10%, loans exceed deposits |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | deposits shrinking, assets shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-30 [Elmira Savings Bank Elmira NY (ESBK) Shareholding Pattern – Promoters, FIIs & DIIs - Value Research](https://news.google.com/rss/articles/CBMikgFBVV95cUxQOWhWazk1M3QyR2xSZ0czZmtFb3FMUGEwOG1UUHpYT2hjU2pFeUdteGZSVUJLbF9URFBCM1lyTEFRRVFRLUo1X3NaUmRvZVdDTDI4ZVdCbG1TT3ljMXJVb3lUM0VjakRSa2RrbEJoV2VMTmFTa2lvQTRjVFlPTVFjYWRsTGo1ZWpkelpPVWZBem1idw?oc=5) · Value Research
- 2022-06-23 [Elmira Savings Bank Now Part of Community Bank - The Cornell Daily Sun](https://news.google.com/rss/articles/CBMiogFBVV95cUxPb0RWWHlmSW9xUG8tNkRGbEgyM1FJcmQ4Q3dfeEo0dUNqNlRFOGdCQWNlelJxZkZKVmQzY2kybFM2djU1YVNfU05qcHR4a1g2c2tHVjd3N1lWTUJ3STJzQi1UU1hkbEJVZ3ZqOC01OFpfRFF5X1NsbUxORS1nRXBQLW1Qcm5kblNMbnBpRHZMLXdRbHFNOVVyQkVWZnh0ajRPa0E?oc=5) · The Cornell Daily Sun
- 2022-05-16 [Community Bank, N.A. Completes Merger with Elmira Savings Bank and Expands Its Presence in the Central New York and Southern Tier Regions - Business Wire](https://news.google.com/rss/articles/CBMingJBVV95cUxQZy1RU253cGFiaHhLazlZT05FMnBia3ZqajRuZ2hPOUp1RzNoMUJ1SXh4QXVZRk5zQzVLSHpRTjUwbndma2stRzVRVkFxZlkweENVdldqb2g5WE5nY2VRYTRYY0hraFlNdTFSclZyX3lZd1B3UXRSVHYydkJrSEJZbFlwa0RYVVZvcy1UUUtDVW1JbEhWZktlNGphU1hqYnR5Ul8yc0pyTHVCb05Cd1pCRC1WSjBfVGpCeHp6Rk53VU9odXZ2QTR5ci1NVVJ4UHl3dzYwYTAybnppbjdaWS1uUEJoXzZMbkhRdFZVZ2VXR2k0eXVKdXVwQmhtNnZnaWhlYW9CYUI2OXlyejlJUTRUdUxJNm55dE01UXcyMllR?oc=5) · Business Wire
- 2021-10-04 [Elmira Savings Bank will merge with larger Community Bank N.A. in 2022 - Star-Gazette](https://news.google.com/rss/articles/CBMiswFBVV95cUxOWnpxTDhpNVFvVnVEc2s2eENWZENxT2xCeWMwY0hab052WFVodzUyaG1CYnV3RWVYTEotcGlZa1pMNjRVUENoS29MV2JIU2g4bklydnZFaml5UG9RUUJFTFF3ZE1zbi02LWFiSG82LWYxakpaalFFai1JSFhtVzlDU0h3d2lsZDlIR0xJbnY2Tk9CRjljT0Y3VUhVbFZET2NyTGV6LWJaWnBUSUZwb3hvTHRDQQ?oc=5) · Star-Gazette
- 2021-10-04 [Community Bank System, Inc. to Expand Its Presence in the Central New York and Southern Tier Regions with Acquisition of Elmira Savings Bank - Business Wire](https://news.google.com/rss/articles/CBMiogJBVV95cUxNRHVEUnBTdDFCYVp0UV8yTTRMNkFGTWMtQVo4MkF0RWxySHpCVTFCV2JmM1g0bk80NmlUUjVid1BwM29FQnZFUnJ0ZGhnR1dfWTZpNDZjQXB4RUtTZFE4OFJTNkZ1bVlpUjV3RmRublBSOWlIcGl4b2ZnS0syd3dxUVlFLTRRaElnNDdaWjk4NjhzU1VRTzY3YWFoVnpleUcyLXFhQzVwZHY0d3ZrOG1OVnlzNzBtTy1Bc0NXZVZRUFZKQlhzMUEzazZNU3VDUlF4bTFKc0FpZzYwWWxhZVVzR2RXeGRHWU9oQUdLZHoxejUzNUlxRlczamVGTTRveVpGUkhSQ0VPdFpWVDRJcW9BN1BXX0Nwcm9uTFhpVFVDalExUQ?oc=5) · Business Wire
- 2022-06-23 [After acquisition, what's next for Elmira Savings Bank customers, employees and locations? - Star-Gazette](https://news.google.com/rss/articles/CBMivAFBVV95cUxOay1oWGFJRGVwUXFDNFJVUk1CbUphR3plUHo2OE5nVzFRNGxWY0pyNGFfWkVxdGYzQ0hMYVNOUVllSTU0R29JbEs0RTNWWlBMVm9tSzUxVzFCV0FuZWxtMXVZUkdHVkZwX2tXRy14Z1Y2MFV6dXd2SmpRZFlzLVVCekVNTWhQTDFzNlJrcW13ckYySkxNNkt0TDNMMUQ5UWlUaERxSzFIZUJvaS1VVzhuLVUyMjEtRUhkRXRiaQ?oc=5) · Star-Gazette
- 2014-02-19 [Update: Man Charged With Robbery Was Former Elmira Semi-Pro Basketball Player - WETM](https://news.google.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?oc=5) · WETM
- 2004-09-30 [Barbara Lewis Obituary (2004) - Elmira, NY - Star-Gazette - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPSG5SQWNNenBrbHFlZHA1cUZQR3luek9oUXNzclV4eFBJd1M0WWd6bDVxLS1hRFNxUFFHc0x6by1OMVV6clQ3WmVCZkRJLWdmbi1idzdwTlBmYVFmYVNHRzBwVkdacjZOSFJYNEcwOHd5UWNITWhYYjVWeEljeTVhRi1pYWVxa3NqVld2UTFPZXB2THM?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16001 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "16001", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide