C
ESB Financial
EmporiaKS
Rating Date
March 2026
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 3.40
Capitalization Index 7.20
Liquidity Index 2.40
Profitability Index 4.80
Stability Index 4.30
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 10.04%
5-Year Asset Growth 4.34%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans -0.02%
Non-Performing Assets to Assets 2.31%
Non-Performing Loans to Capital 17.90%
Non-Performing Loans to Loans 3.45%
Balance Sheet ESB Financial
Emporia, KS
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Total Assets 381.35M
Total Deposits 330.88M
Capital and Reserves ESB Financial
Emporia, KS
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Capital 31.14M
Leverage Ratio 9.14
Loan Loss Reserves to Loans 1.00%
Risk-Based Capital Ratio 13.63
Liquidity ESB Financial
Emporia, KS
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Hot Money Ratio 12.94%
Liquidity Ratio 10.81%
Profitability ESB Financial
Emporia, KS
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5-Year Return on Average Assets 0.65%
Net Income 4.15M
Net Interest Spread 3.56%
Operating Profit to Average Assets 1.21%
Overhead Efficiency Ratio 72.20%
Return on Assets 1.15%
Return on Equity 14.26%