ESB Financial

BankEmporia, Kansas
www.esbfinancial.com

Total Assets

$381.4M

Total Deposits

$330.9M

Branches

4

Established

1901

TFS Health Grade

$
C-

71.8 / 100

Average financial health

How we grade

ESB Financial is a bank headquartered in Emporia, Kansas, established in 1901. With $381.4M in total assets and 4 branch locations, it has a TFS Financial Health Grade of C- (71.8/100).

Capital & Safety

Tier 1 Capital Ratio
9.14%(8%)
Total Capital Ratio
13.63%(10%)
Non-Performing Loan Ratio
1.72%

Profitability

Return on Assets (ROA)
1.14%(1%)
Return on Equity (ROE)
14.30%(10%)
Net Interest Margin
3.62%
Efficiency Ratio
72.20%(60%)

Lending & Liquidity

Total Loans
$255.2M
Loan-to-Deposit Ratio
76.35%
Net Charge-Off Ratio
-0.02%

Growth

Asset Growth (YoY)
+10.04%
Deposit Growth (YoY)
+9.65%
Net Income
$4.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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