Total Assets
$196M
Total balance-sheet footings
FDIC Cert #10980 · Caledonia, Minnesota · Est. 1909
ESB Bank - FDIC Bank Health Profile
A community-scale look at ESB Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $196M
- Total assets
- B
- Health grade · Good
- 1.59%
- Return on assets
- 9.4%
- Tier 1 capital
Data updated July 2026
The verdict
ESB Bank earns a PlainBankData health grade of B (75/100), with 9.41% Tier 1 capital, profitable at 1.59% ROA, efficient (51% cost ratio).
- #3,036
- largest of 4,313 FDIC banks by assets
- 30th
- percentile by asset size, nationally
- 9.41%
- Tier 1 ratio - below the 10% well-capitalized line
- 78th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How ESB Bank's 75/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
ESB Bank's composite health score
Tier 1 Capital Ratio (9.41%) 18/40
Return on Assets (ROA) (1.59%) 25/25
Texas Ratio (0.94%) 20/20
Efficiency Ratio (51.46%) 12/15
75 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$167M
Customer-funded liabilities
Net Loans
$157M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where ESB Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. ESB Bank's score of 75/100 falls in the highlighted band.
ESB Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). ESB Bank's $196M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.41% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.41%
Texas Ratio
0.94%
Equity Capital
$18M
Profitability metrics
Return on Assets (ROA)
78th percentile nationally
1.59%
Return on Equity (ROE)
16.74%
Efficiency Ratio
51.46%
What the numbers say about ESB Bank
ESB Bank is an FDIC-insured institution (Certificate #10980) headquartered in Caledonia, Minnesota, established in 1909. It holds $196M in total assets - 3,036th of 4,313 FDIC-insured banks, $167M in customer deposits, and $157M in net loans. Capital-wise, the Tier 1 ratio sits at 9.41%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 0.94%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (75 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
ESB Bank sits 117th of 227 banks headquartered in Minnesota by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$11M
Interest Income
$862K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. ESB Bank reports a Texas Ratio of 0.94% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.94% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) ESB Bank (FDIC Cert #10980) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is ESB Bank's health grade?▼
ESB Bank receives a health grade of B (75/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is ESB Bank?▼
ESB Bank holds $196M in total assets and $167M in deposits, ranking 3,036th of 4,313 FDIC-insured banks by asset size. It is headquartered in Caledonia, Minnesota.
Is my money safe at ESB Bank?▼
Yes, deposits at ESB Bank (Certificate #10980) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is ESB Bank's Tier 1 Capital Ratio?▼
ESB Bank has a Tier 1 Capital Ratio of 9.41%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for ESB Bank?▼
ESB Bank has a Texas Ratio of 0.94%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is ESB Bank?▼
ESB Bank has an Efficiency Ratio of 51.46%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read ESB Bank's profile as a depositor or analyst.
- ESB Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare ESB Bank against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.