ESB FINANCIAL
ESB FINANCIAL is an FDIC-insured commercial bank headquartered in EMPORIA, KS, established in 1901. As of , 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 3.59%. CET1 capital ratio: 12.66%, well above regulatory minimums. NPL ratio: 3.45% · Texas Ratio: 26.13%. Operates 4 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Esb Financial rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.66% | 0.53% | 3.45% | 26.13% | 3.59% |
| 2025-09-30 | 13.17% | 1.35% | 1.57% | 11.63% | 4.14% |
| 2025-06-30 | 13.22% | 1.51% | 3.56% | 26.63% | 3.30% |
| 2025-03-31 | 13.44% | 1.24% | 1.23% | 9.10% | 3.28% |
| 2024-12-31 | 13.16% | 0.68% | 2.87% | 22.71% | 3.15% |
| 2024-09-30 | 12.43% | 0.70% | 2.74% | 20.17% | 2.96% |
| 2024-06-30 | 12.93% | 0.64% | 2.83% | 22.34% | 2.73% |
| 2024-03-31 | 12.85% | 1.13% | 0.20% | 1.61% | 3.06% |
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Frequently asked about ESB FINANCIAL
What are Esb Financial's total assets?
As of the Q4 2025 filing, Esb Financial reported total assets of $381.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Esb Financial headquartered?
Esb Financial is headquartered in EMPORIA, KS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Esb Financial founded?
Esb Financial was established in 1901, per the FDIC institution directory.
Is Esb Financial FDIC-insured?
Yes. Esb Financial is an FDIC-insured commercial bank (FDIC Certificate #16629). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Esb Financial?
Esb Financial's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Esb Financial's CET1 capital ratio?
Esb Financial reported a Common Equity Tier 1 (CET1) capital ratio of 12.66% in its most recent quarterly filing — above regulatory minimums.
How many branches does Esb Financial operate?
Esb Financial operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Esb Financial's Texas Ratio?
Esb Financial's Texas Ratio is 26.13% — within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.