ESB Bank
Caledonia, MN
IDRSSD: 40855
Total Assets
$196.12M
Latest filing
Total Deposits
$167.13M
Latest filing
Net Interest Margin
3.72%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
091207317CALEDONIA, MN
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
ESB Bank
115 N Highway 44/76
Caledonia, MN 55921
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/02/1909FDIC Certificate 7033
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| ESB Bank (Main) | 115 N Highway 44/76 | Caledonia, MN |
| EITZEN OFFICE | 108 Iowa Ave S | Eitzen, MN |
| LA CRESCENT BRANCH | 109 S Walnut St | La Crescent, MN |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/02/1909 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 55921 |
| State and County Number | 27055 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | La Crosse-Onalaska, WI-MN |
Operational Info
| Number of Employees | 20 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | https://www.esbbanking.com |
| Data Updated | 01/30/2026 |
| CERT | 10980 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $196.12M |
| Total Deposits | $167.13M |
| Total Liabilities | $177.76M |
| Total Equity Capital | $18.36M |
| Net Income | $779.00k |
| Net Loans and Leases | $156.77M |
| Assets Per Employee ($Millions) | $9.34M |
| Bank Premises and Fixed Assets | $2.81M |
| Cash and Balances due from Depository Institutions | $21.19M |
| Deposits Held in Domestic Offices | $167.13M |
Key Performance Ratios
| Return on Assets (ROA) | 1.61% |
| Return on Equity (ROE) | 17.34% |
| Net Interest Margin | 3.72% |
| Efficiency Ratio | 49.82% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.363% |
| Earning Assets to total Assets | 95.53% |
Income and Expense
| Total Interest Income | $3.01M |
| Total Noninterest Income | $227.00k |
| Total Interest Expense | $1.30M |
| Total Noninterest Expense | $965.00k |
| Net Interest Income | $1.71M |
| Pre-tax Net Operating Income | $924.00k |
| Provision for Credit Losses | $48.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $476.00k |
| Other borrowed funds | $9.33M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.69M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.30M |
| Total Liabilities and Capital | $196.12M |
Securities
| Securities | $9.53M |
| Available-for-sale debt securities | $9.53M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of ESB Bank?
$196.12M as of the latest filing.
How much are ESB Bank's total deposits?
$167.13M in total deposits.
Where is ESB Bank located?
Caledonia, MN.
What is the Net Interest Margin?
3.72%.
How many domestic offices does it operate?
3.
When was it established?
01/02/1909.
What is the Return on Assets (ROA)?
1.61%.
How much are total loans and leases?
$156.77M (latest filing).
What is the total interest income (latest filing)?
$3.01M.