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Esb Financial
Emporia, KS · FDIC Certificate #16629 · Chartered 03/1
Total assets
$381.30M
Total deposits
$335.94M
Total equity
$32.00M
Net loans
$269.28M
Branches (offices)
4
Net income (YTD)
$3.26M
Rank: #2,142 of 4,213 U.S. banks by assets · #57 of 183 in Kansas. Assets changed 5.6% and deposits 7.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.69% |
| Return on equity | 20.83% |
| Net interest margin (YTD) | 3.76% |
| Equity to assets | 8.39% |
| Tier 1 leverage ratio | 9.07% |
| Uninsured deposits (share of deposits) | 26.7% |
| Noncurrent loans (share of loans) | 1.58% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 80.2% |
| Real estate loans (share of loans) | 75.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $201.87M | 75.0% | |
| Commercial & industrial | $42.17M | 15.7% | |
| Consumer / individual | $5.65M | 2.1% | |
| Construction & development | $22.59M | 8.4% | |
| Agricultural | $19.07M | 7.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $354.14M | $327.32M | $1.18M | $22.24M |
| Jun 2023 | $333.14M | $292.80M | $1.66M | $23.34M |
| Jun 2024 | $341.39M | $296.58M | $1.48M | $25.37M |
| Jun 2025 | $361.19M | $313.57M | $2.42M | $29.27M |
| Jun 2026 | $381.30M | $335.94M | $3.26M | $32.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $335.94M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $335.94M.
Similar-sized banks
Guaranty State Bank And Trust Company ($381.44M) · United Roosevelt Savings Bank ($381.16M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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