| Weiss Ratings |
ESB Bank
Caledonia, MN |
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| Rating | ||||
| Asset Quality Index | 7.30 | |||
| Capitalization Index | 7.60 | |||
| Liquidity Index | 0.80 | |||
| Profitability Index | 7.10 | |||
| 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 | 8.03% | |||
| 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 | 0.32% | |||
| Non-Performing Loans to Capital | 0.95% | |||
| Non-Performing Loans to Loans | 0.10% | |||
| Balance Sheet |
ESB Bank
Caledonia, MN |
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| Total Assets | 196.12M | |||
| Total Deposits | 167.13M | |||
| Capital and Reserves |
ESB Bank
Caledonia, MN |
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| Capital | 18.36M | |||
| Leverage Ratio | 9.41 | |||
| Loan Loss Reserves to Loans | 1.07% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
ESB Bank
Caledonia, MN |
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| Hot Money Ratio | 28.38% | |||
| Liquidity Ratio | 13.44% | |||
| Profitability |
ESB Bank
Caledonia, MN |
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| 5-Year Return on Average Assets | 1.80% | |||
| Net Income | 2.96M | |||
| Net Interest Spread | 3.56% | |||
| Operating Profit to Average Assets | 1.78% | |||
| Overhead Efficiency Ratio | 51.46% | |||
| Return on Assets | 1.60% | |||
| Return on Equity | 16.75% | |||