| Weiss Ratings |
ESB Bank
Caledonia, MN |
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| Rating | ||||
| Asset Quality Index | 5.80 | |||
| Capitalization Index | 7.30 | |||
| Liquidity Index | 1.00 | |||
| Profitability Index | 7.00 | |||
| Stability Index | 4.30 | |||
| Company Info |
ESB Bank
Caledonia, MN |
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| FDIC Number | 10980 | |||
| Phone Number | (507) 725-3329 | |||
| Website | www.esbbanking.com | |||
| Asset Quality |
ESB Bank
Caledonia, MN |
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| 1-Year Asset Growth | 13.08% | |||
| 5-Year Asset Growth | 9.41% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.90% | |||
| Non-Performing Loans to Capital | 6.86% | |||
| Non-Performing Loans to Loans | 0.85% | |||
| Balance Sheet |
ESB Bank
Caledonia, MN |
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| Total Assets | 208.87M | |||
| Total Deposits | 179.12M | |||
| Capital and Reserves |
ESB Bank
Caledonia, MN |
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| Capital | 18.97M | |||
| Leverage Ratio | 9.20 | |||
| Loan Loss Reserves to Loans | 1.09% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
ESB Bank
Caledonia, MN |
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| Hot Money Ratio | 28.11% | |||
| Liquidity Ratio | 15.15% | |||
| Profitability |
ESB Bank
Caledonia, MN |
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| 5-Year Return on Average Assets | 1.65% | |||
| Net Income | 1.55M | |||
| Net Interest Spread | 3.52% | |||
| Operating Profit to Average Assets | 1.70% | |||
| Overhead Efficiency Ratio | 53.02% | |||
| Return on Assets | 1.54% | |||
| Return on Equity | 16.60% | |||