ESB Financial
Emporia, KS
IDRSSD: 918954
Total Assets
$381.35M
Latest filing
Total Deposits
$330.88M
Latest filing
Net Interest Margin
3.61%
Profitability
Key People
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Locations
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Main Office
ESB Financial
801 Merchant St
Emporia, KS 66801
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/16/1901FDIC Certificate 10769
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| ESB Financial (Main) | 801 Merchant St | Emporia, KS |
| INDUSTRIAL PLAZA BRANCH | 12th And Industrial Roads | Emporia, KS |
| MOTOR FACILITY BRANCH | 801 Merchant St | Emporia, KS |
| MANHATTAN BRANCH | 224 E Poyntz Ave | Manhattan, KS |
Showing 3 of 3
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 | 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 | 01/30/2026 |
| CERT | 16629 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $381.35M |
| Total Deposits | $330.88M |
| Total Liabilities | $350.22M |
| Total Equity Capital | $31.14M |
| Net Income | $497.00k |
| Net Loans and Leases | $252.63M |
| Assets Per Employee ($Millions) | $6.58M |
| Bank Premises and Fixed Assets | $3.26M |
| Cash and Balances due from Depository Institutions | $22.30M |
| Deposits Held in Domestic Offices | $330.88M |
Key Performance Ratios
| Return on Assets (ROA) | 0.53% |
| Return on Equity (ROE) | 6.42% |
| Net Interest Margin | 3.61% |
| Efficiency Ratio | 86.51% |
| Tier 1 Risk-Based Capital Ratio | 12.662% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.165% |
| Earning Assets to total Assets | 95.67% |
Income and Expense
| Total Interest Income | $4.88M |
| Total Noninterest Income | $772.00k |
| Total Interest Expense | $1.62M |
| Total Noninterest Expense | $3.48M |
| Net Interest Income | $3.25M |
| Pre-tax Net Operating Income | $541.00k |
| Provision for Credit Losses | $2.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| 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 | $3.33M |
| Total Liabilities and Capital | $381.35M |
Securities
| Securities | $91.74M |
| Available-for-sale debt securities | $58.95M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $32.70M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of ESB Financial?
$381.35M as of the latest filing.
How much are ESB Financial's total deposits?
$330.88M in total deposits.
Where is ESB Financial located?
Emporia, KS.
What is the Net Interest Margin?
3.61%.
How many domestic offices does it operate?
4.
When was it established?
03/16/1901.
What is the Return on Assets (ROA)?
0.53%.
How much are total loans and leases?
$252.63M (latest filing).
What is the total interest income (latest filing)?
$4.88M.