ESB BANK

CALEDONIA, MN | Small | Est. Jan. 2, 1909, midnight | FDIC #10980 | RSSD #40855 | FDIC
Latest Report: 2025-12-31

ESB BANK is asn small FDIC-insured commercial bank headquartered in CALEDONIA, MN, established in Jan. 2, 1909, midnight. As of 2025-12-31, the bank reported total assets of $196M and total deposits of $167M. Profitability stands at 1.61% ROA and 17.34% ROE, with a net interest margin of 3.85%. The bank's CET1 capital ratio is 9.27%. Asset quality metrics show a non-performing loan ratio of 0.10% and a Texas Ratio of 3.15%. FDIC Certificate #10980.

Assets

$196M

Deposits

$167M

Loans

$158M

Equity

$18M

Profitability

Return on Assets (ROA) 1.61%
Return on Equity (ROE) 17.34%
Net Interest Margin (NIM) 3.85%
Yield on Assets 6.79%
Cost of Funds 3.01%

Asset Quality

NPL Ratio 0.10%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.15%
NPA Ratio 0.32%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 9.27%
Tier 1 Capital 9.27%
Total Capital Ratio 9.73%
Leverage Ratio 9.41%
Loan-to-Deposit 94.82%

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