C
ESB Financial
EmporiaKS
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings ESB Financial
Emporia, KS
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Rating C
Asset Quality Index 5.40
Capitalization Index 7.40
Liquidity Index 2.40
Profitability Index 5.60
Stability Index 4.70
Company Info ESB Financial
Emporia, KS
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FDIC Number 16629
Phone Number (620) 342-3454
Website www.esbfinancial.com
Asset Quality ESB Financial
Emporia, KS
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1-Year Asset Growth 9.82%
5-Year Asset Growth 8.45%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans -0.04%
Non-Performing Assets to Assets 1.04%
Non-Performing Loans to Capital 2.77%
Non-Performing Loans to Loans 1.57%
Balance Sheet ESB Financial
Emporia, KS
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Total Assets 371.67M
Total Deposits 322.19M
Capital and Reserves ESB Financial
Emporia, KS
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Capital 30.83M
Leverage Ratio 9.27
Loan Loss Reserves to Loans 1.03%
Risk-Based Capital Ratio 14.18
Liquidity ESB Financial
Emporia, KS
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Hot Money Ratio 12.65%
Liquidity Ratio 9.05%
Profitability ESB Financial
Emporia, KS
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5-Year Return on Average Assets 0.65%
Net Income 3.65M
Net Interest Spread 3.56%
Operating Profit to Average Assets 1.43%
Overhead Efficiency Ratio 67.30%
Return on Assets 1.37%
Return on Equity 17.10%