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 ESB Financial
ESB Financial
| RSSD ID 918954 | CERTIFICATE 16629 | ABA NUMBER 101100760 |
| 801 Merchant St |
Quarter Ended : |
2025-12-31 |
| Emporia, Kansas, 66801 |
Updated : |
2026-01-26 |
| www.esbfinancial.com |
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| Institution Profile |
| Year Opened : |
1901 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
4 |
Number of Employees : |
58 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 381,354 |
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Total Interest Income | 18,958 |
| Total Liabilities | 350,216 |
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Total NonInterest Income | 3,237 |
| Total Bank Equity Capital | 31,138 |
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Total Interest Expense | 6,431 |
| Total Deposits | 330,883 |
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Total NonInterest Expense | 11,382 |
| Net Loans & Leases | 252,629 |
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Net Income | 4,147 |
| Loan Loss Allowance | 2,548 |
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Net Charge Offs | (56) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 36,957 |
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Total loans | 247,727 |
| Total assets for the leverage ratio | 375,698 |
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Loans secured by real estate: | 185,588 |
| Tier 1 Leverage Ratio | 9.14 |
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Commercial and industrial loans | 42,807 |
| Tier 1 Capital Ratio | 12.66 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 13.63 |
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Loans to individuals - Other | 6,062 |
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:· ESB Financial
