ESB Financial

ESB Financial is headquartered in Emporia and is the 79^th largest bank in the state of Kansas. It is also the 3,652^nd largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 50 employees at 4 locations. ESB Financial's savings rates are 94% higher than the national average, and it boasts a 5-star health rating.

ESB Financial Routing Number: 101100760

ESB Financial Checking Account Rates

ESB Financial Savings Account Rates

Data for Q1 2012

Institution Statistics ESB Financial FDIC Certificate # 16629 BankRate Report View Year Established 1901 Employees 50 Primary Regulator FDIC Assets and Liabilities Assets $162.84 million Loans $89.17 million Deposits $126.40 million Equity Capital $16.43 million Loan Loss Allowance $1.09 million Unbacked Noncurrent Loans $486,000 Real Estate Owned $378,000 Historic Data - March 2011 Assets $156.80 million Equity Capital $14.42 million Loan Loss Allowance $1.03 million Unbacked Noncurrent Loans $1.11 million Real Estate Owned $99,000 Profit Margin - Quarterly Net Interest Margin 4.06% Return on Assets 1.02% Return on Equity 10.08% Interest Income $1.82 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 ESB Financial had $864,000 in non-current loans and owned real-estate with $17.52 million in equity and loan loss allowances on hand to cover it. This gives ESB Financial a Texas Ratio of 4.93% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for ESB Financial decreased slightly from 7.81% as of March 31, 2011 to 4.93% as of March 31, 2012, resulting in a positive change of 36.84%.This indicates that the balance sheet and financial strength for ESB Financial has improved slightly in recent periods. Deposit Growth In the past year, ESB Financial has increased its total deposits by $2.31 million, resulting in 1.86% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth ESB Financial has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. ESB Financial has $162.84 million in assets with $17.52 million in equity, resulting in a capitalization level of 10.76%, which is above average.

No reviews have been left for this bank yet. Be the first to review.