ESB Financial

Overview / Commentary

www.esbfinancial.com

620-342-3454

801 Merchant St
Emporia, KS 66801

ESB Financial is headquartered in Emporia and is the 54^th largest bank in the state of Kansas. It is also the 2,338^th largest bank in the nation. It was established in 1901 and as of December of 2020, it had grown to 51 employees at 4 locations. ESB Financial has a B+ health rating.

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Health

B+

Data as of Q4 2020

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Health Grade Components

Overall
FDIC Certificate #	16629
Year Established	1901
Employees	51
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.68%
Return on Equity - YTD	7.2%
Annual Interest Income	$9.8MM

Assets and Liabilities
Assets	Q4 2020vs Q4 2019	$313.3MM$243.6MM
Loans	Q4 2020vs Q4 2019	$172.2MM$157.3MM
Deposits	Q4 2020vs Q4 2019	$278.7MM$209.6MM
Equity Capital	Q4 2020vs Q4 2019	$27.0MM$25.3MM
Loan Loss Allowance	Q4 2020vs Q4 2019	$2.5MM$2.1MM
Unbacked Noncurrent Loans	Q4 2020vs Q4 2019	$4.0MM$5.5MM
Real Estate Owned	Q4 2020vs Q4 2019	$431.00K$1.1MM

Rates

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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%^*	-	$10k	Kasasa Saver
OTHER TIERS: 0.15% → $10k+

ESB Financial Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.01%	-	$10k	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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