ESB Bank

BankCaledonia, Minnesota
https://www.esbbanking.com

Total Assets

$196.1M

Total Deposits

$167.1M

Branches

3

Established

1909

TFS Health Grade

$
C-

71.5 / 100

Average financial health

How we grade

ESB Bank is a bank headquartered in Caledonia, Minnesota, established in 1909. With $196.1M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C- (71.5/100).

Capital & Safety

Tier 1 Capital Ratio
9.41%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.12%

Profitability

Return on Assets (ROA)
1.59%(1%)
Return on Equity (ROE)
16.74%(10%)
Net Interest Margin
3.57%
Efficiency Ratio
51.46%(60%)

Lending & Liquidity

Total Loans
$158.5M
Loan-to-Deposit Ratio
93.80%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+8.03%
Deposit Growth (YoY)
+7.92%
Net Income
$3.0M

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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