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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 10980 · MN B · 75/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (75/100)
  • MID-PACK #2575/4307
  • PHOTO-FINISH The Bank of Herrin · IL
  • TIER1-ADEQ 9.4% Tier 1
  • TEXAS-CLEAN 0.9% Texas
  • ROA-STRONG 1.59% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: The Bank of Herrin, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around ESB Bank

Lowest and highest poles plus nearest scored peers outside Minnesota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100America's Community… · MO · …75/100Commercial State Bank · NE ·…75/100ESB Bank · MN · this bank75/100The Bank of Herrin · IL · ne…75/100The First National B… · TX ·…75/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around ESB Bank · July 2026

Call Report read for ESB Bank in a high-failure state

ESB Bank (FDIC Cert #10980) carries a PlainBankData health grade of B at 75/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,575 of 4,307. Tier 1 capital prints at 9.41%, missing the 10% well-capitalized line. The Texas Ratio is 0.94%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.59%. Balance-sheet scale is $196M, 3,036th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Bank of Herrin (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around ESB Bank

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

ESB Bank sits in one of the heavier post-2000 FAILURE states (24 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about ESB Bank's current Call Report.

  • NORTHERN STAR BANK MANKATO, MN 2014 → BANKVISTA
  • 1ST REGENTS BANK ANDOVER, MN 2013 → FIRST MINNESOTA BANK
  • FIRST COMMERCIAL BANK BLOOMINGTON, MN 2012 → REPUBLIC BANK & TRUST COMPANY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Minnesota banks.

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.

0/100100/100National avg77/10075/100
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 Assets

$196M

Total balance-sheet footings

Total Deposits

$167M

Customer-funded liabilities

Net Loans

$157M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.01% 9.41% 10.81%
Basel III capital ratios - ESB Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

75 40th percentile higher than 40% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. ESB Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at ESB Bank

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

What these ratios mean →

Earnings posture at ESB Bank

Return on Assets (ROA)
78th percentile nationally
1.59%
Return on Equity (ROE)
16.74%
Efficiency Ratio
51.46%

What these mean →

Income & expense at ESB Bank

$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.

FDIC Failed Bank List → View ESB Bank on FDIC BankFind →

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

Top 5 banks in Minnesota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($196M here), outside Minnesota so the neighborhood is not state containment.

The Citizens-Farmers Bank of Cole Camp $196M · MO The First National Bank of Waverly $196M · OH TriCentury Bank $196M · KS THE SEILING STATE BANK $196M · OK

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.

ESB Bank Call Report profile · FDIC Failed Bank List · Minnesota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Minnesota

All Minnesota banks →
BankAssetsGradeROA
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%