Institution Class	Commercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary Regulator	FDIC
Established Date	03/16/1901
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	66801
State and County Number	20111
Subchapter S Corporations	Yes
Trust Powers	Trust Powers Grandfathered
Federal Reserve ID Number	10
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	Emporia, KS

Operational Info

Number of Employees	59
Domestic Offices	4
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	01/01/2012
Date of Deposit Insurance	10/01/1947
Primary Insurance Agency	DIF
Website	www.esbfinancial.com
Data Updated	11/14/2025
CERT	16629
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$371.67M
Total Deposits	$322.19M
Total Liabilities	$340.84M
Total Equity Capital	$30.83M
Net Income	$1.23M
Net Loans and Leases	$244.77M
Assets Per Employee ($Millions)	$6.3M
Bank Premises and Fixed Assets	$3.32M
Cash and Balances due from Depository Institutions	$22.54M
Deposits Held in Domestic Offices	$322.19M

Return on Assets (ROA)	1.35%
Return on Equity (ROE)	16.42%
Net Interest Margin	4.25%
Efficiency Ratio	70.28%
Tier 1 Risk-Based Capital Ratio	13.165%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.03%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	8.295%
Earning Assets to total Assets	95.59%

Total Interest Income	$5.39M
Total Noninterest Income	$781.00k
Total Interest Expense	$1.68M
Total Noninterest Expense	$3.16M
Net Interest Income	$3.71M
Pre-tax Net Operating Income	$1.30M
Provision for Credit Losses	$32.00k
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$0
Other borrowed funds	$16.00M
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$2.65M
Total Liabilities and Capital	$371.67M

Securities	$89.67M
Available-for-sale debt securities	$55.42M
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$34.15M
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of ESB Financial?

$371.67M as of the latest filing.

How much are ESB Financial's total deposits?

$322.19M in total deposits.

Where is ESB Financial located?

Emporia, KS.

What is the Net Interest Margin?

4.25%.

How many domestic offices does it operate?

When was it established?

03/16/1901.

What is the Return on Assets (ROA)?

1.35%.

How much are total loans and leases?

$244.77M (latest filing).

What is the total interest income (latest filing)?

$5.39M.