ESB FINANCIAL

EMPORIA, KS | Small | Est. March 16, 1901, midnight | FDIC #16629 | RSSD #918954 | FDIC
Latest Report: 2025-12-31

ESB FINANCIAL is asn small FDIC-insured commercial bank headquartered in EMPORIA, KS, established in March 16, 1901, midnight. As of 2025-12-31, the bank reported total assets of $381M and total deposits of $331M. Profitability stands at 0.53% ROA and 6.42% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 12.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.72% and a Texas Ratio of 13.06%. FDIC Certificate #16629.

Assets

$381M

Deposits

$331M

Loans

$255M

Equity

$31M

Profitability

Return on Assets (ROA) 0.53%
Return on Equity (ROE) 6.42%
Net Interest Margin (NIM) 3.76%
Yield on Assets 5.63%
Cost of Funds 1.90%

Asset Quality

NPL Ratio 1.72%
Net Charge-Off Ratio -0.02%
Texas Ratio 13.06%
NPA Ratio 1.15%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 12.66%
Tier 1 Capital 12.66%
Total Capital Ratio 13.63%
Leverage Ratio 9.14%
Loan-to-Deposit 77.12%

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