Total Assets
$381M
Total balance-sheet footings
FDIC Cert #16629 · Emporia, Kansas · Est. 1901
ESB Financial - FDIC Bank Health Profile
A community-scale look at ESB Financial's own numbers, pulled straight from its quarterly FDIC Call Report.
- $381M
- Total assets
- B
- Health grade · Good
- 1.14%
- Return on assets
- 12.7%
- Tier 1 capital
Data updated July 2026
The verdict
ESB Financial earns a PlainBankData health grade of B (75/100), with well-capitalized at 12.66% Tier 1, profitable at 1.14% ROA, 72% efficiency ratio.
- #2,147
- largest of 4,313 FDIC banks by assets
- 50th
- percentile by asset size, nationally
- 12.66%
- Tier 1 ratio - above the 10% well-capitalized line
- 53rd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How ESB Financial'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 Financial's composite health score
Tier 1 Capital Ratio (12.66%) 35/40
Return on Assets (ROA) (1.14%) 20/25
Texas Ratio (13.06%) 16/20
Efficiency Ratio (72.20%) 4/15
75 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$331M
Customer-funded liabilities
Net Loans
$253M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where ESB Financial ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. ESB Financial's score of 75/100 falls in the highlighted band.
ESB Financial'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 Financial's $381M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.66% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.66%
Texas Ratio
13.06%
Equity Capital
$31M
Profitability metrics
Return on Assets (ROA)
53rd percentile nationally
1.14%
Return on Equity (ROE)
14.30%
Efficiency Ratio
72.20%
What the numbers say about ESB Financial
ESB Financial is an FDIC-insured institution (Certificate #16629) headquartered in Emporia, Kansas, established in 1901. It holds $381M in total assets - 2,147th of 4,313 FDIC-insured banks, $331M in customer deposits, and $253M in net loans. Capital-wise, the Tier 1 ratio sits at 12.66%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 13.06%, 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 Financial sits 55th of 188 banks headquartered in Kansas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$19M
Interest Income
$3M
Non-Interest Income
$11M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. ESB Financial reports a Texas Ratio of 13.06% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
13.06% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) ESB Financial (FDIC Cert #16629) - 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 Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capitol Federal Savings BankTopeka | $9.8B | C | 0.76% |
| Intrust Bank, National AssociationWichita | $7.0B | B | 1.20% |
| Equity BankAndover | $6.3B | B | 0.55% |
| Security Bank of Kansas CityKansas City | $3.8B | A | 1.37% |
| Fidelity Bank, National AssociationWichita | $3.3B | B | 0.99% |
| Emprise BankWichita | $2.8B | B | 1.32% |
| KS StateBankManhattan | $2.6B | A | 1.69% |
| Community National Bank & TrustChanute | $2.5B | B | 0.96% |
Frequently asked questions
What is ESB Financial's health grade?▼
ESB Financial 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 Financial?▼
ESB Financial holds $381M in total assets and $331M in deposits, ranking 2,147th of 4,313 FDIC-insured banks by asset size. It is headquartered in Emporia, Kansas.
Is my money safe at ESB Financial?▼
Yes, deposits at ESB Financial (Certificate #16629) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is ESB Financial's Tier 1 Capital Ratio?▼
ESB Financial has a Tier 1 Capital Ratio of 12.66%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for ESB Financial?▼
ESB Financial has a Texas Ratio of 13.06%. 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 Financial?▼
ESB Financial has an Efficiency Ratio of 72.20%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read ESB Financial's profile as a depositor or analyst.
- ESB Financial's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare ESB Financial against other Kansas banks before moving funds. Kansas 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.