ESB Financial

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.esbfinancial.com

620-342-3454

801 Merchant St.
Emporia, KS 66801

ESB Financial is headquartered in EMPORIA and is the 59^th largest bank in the state of Kansas. It is also the 2,277^th largest bank in the nation. It was established in 1901 and as of March of 2025, it had grown to 61 employees at 4 locations. ESB Financial has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	16629
Year Established	1901
Employees	61
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.24%
Return on Equity - YTD	16.02%
Annual Interest Income	$4.2MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$350.5MM$330.9MM
Loans	Q1 2025vs Q1 2024	$220.3MM$215.4MM
Deposits	Q1 2025vs Q1 2024	$304.6MM$293MM
Equity Capital	Q1 2025vs Q1 2024	$27.6MM$24.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.4MM$2.6MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2.7MM$441K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Checking

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

ESB Financial Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.01%^*	$0	$10k	Kasasa Saver
OTHER TIERS: 0.15% → $10k+

ESB Financial Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
5.04%	$0	$20k	Kasasa Cash

Locations

ESB Financial Locations
Industrial Plaza Branch	12th and Industrial Roads	Emporia, KS 66801
Manhattan Branch	224 East Poyntz Avenue	Manhattan, KS 66502
Esb Financial	8th and Merchant Streets	Emporia, KS 66801
Motor Facility	Eighth and Constitution	Emporia, KS 66801

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