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Overview / Commentary
8th And Merchant Streets
Emporia, KS 66801

ESB Financial is headquartered in Emporia and is the 59th largest bank in the state of Kansas. It is also the 2,734th largest bank in the nation. It was established in 1901 and as of June of 2017, it had grown to 51 employees at 4 locations. ESB Financial has an A health rating.


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Health Grade Components

FDIC Certificate #16629
Year Established1901
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.96%
Return on Equity - YTD9.78%
Annual Interest Income$4.0MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$224.8MM$214.1MM
LoansQ2 2017vs Q2 2016$155.3MM$140.3MM
DepositsQ2 2017vs Q2 2016$183.9MM$175.1MM
Equity CapitalQ2 2017vs Q2 2016$22.5MM$22.2MM
Loan Loss AllowanceQ2 2017vs Q2 2016$1.8MM$1.5MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$636.00K$762.00K
Real Estate OwnedQ2 2017vs Q2 2016$67.00K$0
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ESB Financial Savings Account Rates

1.01%*-$10kKasasa Saver
OTHER TIERS: 0.15% $10k+

ESB Financial Checking Account Rates

2.01%*-$10kKasasa Cash
OTHER TIERS: 0.15% $10k+

ESB Financial Locations
Industrial Plaza Branch12th and Industrial RoadsEmporia, KS 66801
Manhattan Branch224 East Poyntz AvenueManhattan, KS 66502
Esb Financial8th and Merchant StreetsEmporia, KS 66801
Motor FacilityEighth and ConstitutionEmporia, KS 66801