Esb Bank
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Data as of · sourced from FFIEC call reports. How we update
Esb Bank is an FDIC-insured commercial bank headquartered in Caledonia, MN, established in 1909 (FDIC certificate 10980), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $208.9M, up 13.1% from Q2 2025, the 113th largest of 221 banks headquartered in Minnesota. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.20% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10980
- Headquarters
- Caledonia, MN
- Established
- 1909
- Total assets, Q2 2026
- $208.9M
- Assets vs Q2 2025
- +13.1%
- Tier 1 leverage ratio, Q2 2026
- 9.20%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 091207317
- Holding company
- EITZEN INDEPENDENTS, INC.
- Asset rank in state
- 113th of 221 in Minnesota
Problem loans are rising at Esb Bank. Its balance sheet stood at $209 million at June 30, 2026, up 13.1% from a year earlier; it is based in Caledonia, Minnesota. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.87% of loans from 0.11% a year earlier. It pays an average of 2.81% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also grew deposits 12.0% over the year, about triple the median of 4.0% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 5.5% and deposits rose 12.0%. The commercial and industrial book ($21 million) is worsening: 3.33% of it is past due or on nonaccrual, up from 1.92% a year earlier. Where it has less room is capital: it funds 9.20% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Esb Bank reported a return on assets of 1.55%, a nonperforming-loan ratio of 0.87% and a Texas ratio of 9.23%. The figures come from its call report filed with the FFIEC.
Esb Bank ranks as the 113th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.4% to $208.9M, loans rose 3.4% and deposits rose 6.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 30.4% of total loans, ahead of farmland and other real estate loans at 24.5%. Its 3 offices in the FDIC Summary of Deposits are in Caledonia, MN, Eitzen, MN and La Crescent, MN; its Caledonia office books 38% of its branch deposits. Judged on its Q2 2026 call report, Esb Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 115 N Highway 44/76, Caledonia, MN 55921
- County
- Houston
- Metro Area
- La Crosse-Onalaska, WI-MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 2, 1909
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $179.1M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $206.0M
- Average total loans
- $161.1M
- Average interest-bearing deposits
- $162.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10980
- Fed RSSD
- 40855
- Website
- https://www.esbbanking.com →
- Parent Holding Company
- EITZEN INDEPENDENTS, INC. (RSSD 1127687)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Esb Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Esb Bank's total assets moved between a low of $159.6M (Q3 2023) and a high of $208.9M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$208.9M total assets against $184.7M; $189.9M total liabilities against $166.8M.
$162.4M net loans and leases against $154.1M; $179.1M total deposits against $160.0M.
$14.8M securities against $9.6M; $25.4M cash and balances due against $15.3M.
$3.1M total interest income against $2.8M; $1.3M total interest expense against $1.2M.
$1.8M net interest income against $1.5M.
$189K total noninterest income against $187K; $1.0M total noninterest expense against $904K.
$48K provision for credit losses against $48K.
$799K net income against $705K.
1.55% return on assets against 1.56%; 3.56% net interest margin against 3.61%.
9.20% tier 1 leverage ratio against 9.91%.
Inside the full Esb Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeEsb Bank rankings
Its closest position to the top of a national ranking is 709 of 3,640, for Texas Ratio; its furthest is 2,906 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.21% (Q4 2024) to 1.77% (Q3 2025) and its net interest margin ran from 3.37% (Q1 2025) to 3.65% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.20% | 1.55% | 0.87% | 9.23% | 3.56% |
| Q1 2026 | 9.53% | 1.53% | 0.98% | 10.07% | 3.48% |
| Q4 2025 | 9.41% | 1.60% | 0.12% | 3.35% | 3.65% |
| Q3 2025 | 9.29% | 1.77% | 0.00% | 2.51% | 3.61% |
| Q2 2025 | 9.91% | 1.56% | 0.11% | 3.33% | 3.61% |
| Q1 2025 | 9.80% | 1.44% | 0.43% | 3.43% | 3.37% |
| Q4 2024 | 9.55% | 1.21% | 0.45% | 3.55% | 3.39% |
| Q3 2024 | 9.46% | 1.64% | 0.02% | 0.16% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Esb Bank (main office) | Caledonia , MN | 55921 | $68.7M |
| Eitzen Office | Eitzen , MN | 55931 | $66.8M |
| La Crescent Branch | La Crescent , MN | 55947 | $43.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 149 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $455K approved, $228K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Esb Bank
What are Esb Bank's total assets?
As of the Q2 2026 filing, Esb Bank reported total assets of $208.9 million in its FFIEC call report.
Where is Esb Bank headquartered?
It is headquartered in Caledonia, MN, United States.
When was Esb Bank founded?
It was established in 1909, per the FDIC institution directory.
Is Esb Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10980). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Esb Bank?
Esb Bank's primary federal regulator is the FDIC.
How many branches does Esb Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Esb Bank's Texas Ratio?
Its Texas Ratio is 9.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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