# ESB BANK
CALEDONIA, MN · FDIC certificate 10980 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $208.9M | |
| Deposits | $179.1M | |
| Loans and leases | $164.2M | |
| Total equity | $19.0M | |
| Loans / deposits | 90.68% (p81 of band) | 73.59% |
| Liquid assets / assets | 19.25% (p20 of band) | |
| Uninsured deposits / deposits | 13.84% (p27 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.45% (p71 of band) | |
| FHLB advances / assets | 4.31% | |
| Tier 1 leverage | 9.20% (p13 of band) | 11.76% |
| Unrealized securities loss / equity | -0.83% (p79 of band) | -6.57% |
| AOCI / equity | -0.37% (p51 of band) | |
| ROA (annualized) | 1.54% (p70 of band) | 1.17% |
| Net interest margin | 3.55% (p31 of band) | 3.93% |
| Efficiency ratio | 53.02% (p19 of band) | |
| Noncurrent loans | 0.87% (p67 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 126.25% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 13.98% (p45 of band) | |
| Auto loans | $6.4M (3.87% of loans; DQ 1.05%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.0% | |
| Employees | 21 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | deposits shrinking |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | deposits shrinking |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 0 |  | reserve under noncurrent, capital falling |
| 2017-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 | capital falling | noncurrent p90, reserve under noncurrent |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | loans exceed deposits, uninsured deposits leaving |  |
| 2020-06 | 0 |  | loans exceed deposits, uninsured deposits leaving |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | uninsured deposits leaving |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-11-06 [ESB Bank leadership says business is thriving amid remodel, changes - hometownsource.com](https://news.google.com/rss/articles/CBMi_AFBVV95cUxPU2cxV1M0WHd2M3MyYmlkYmUxS0M4dERZb1R6bjZaMk5EczdvRFpScFhzeDdFeTRnYnBpQnlUNHh6NEs0MF8tUVFtWWdmNDYxZXRPcHN2STN6SnB5a0NDdHV0XzdsT1U0bEFxTTdUdnJkSEpHaE9OUWtMSHpyYVoyc1l5WFhQRGI4QXhNU1RHaUJYdlVmRVZZX2dyT3dIY2V0dG04MHJIYnNCUm9KbGJVNHdJWnN6NktZNFJUOThCcXJhTUxuaUNlWDdBWTFkaXBmdDBfb2U1RktHZjFMdkF4dE96Q0xQSjlQbEJMQjdTR2pEY2EwZ3E1bWFIbFI?oc=5) · hometownsource.com
- 2012-03-02 [Investigators Probe Armed Robbery At North Side Bank - CBS News](https://news.google.com/rss/articles/CBMimAFBVV95cUxNNDJ6cnlsSFNveWg5RHFxZ2NiUGI0ek5jRklDd0xaelhVeXdsWDljTTdRTUJ5TmRxVmZNdlpNZW0zS2RybGxTWER5RV84U0xDXzFNT0ktcFJTa1dJU0xmNjhtTHBHaDliTm9pa1V5eHBMbWVUekR4VFFEMDFMTlM3QmZXc1JEYmo1MVNYMnNsQ1U2T2VTY2J4RA?oc=5) · CBS News
- 2014-10-31 [ESOP drives workforce engagement at ESB - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQZGhmOXY0Wi1nYVR0S1VOSDBabFJqVDU4Q1dtRkhyUnp4MTRfcEZzNjZGLVE4c0Mwd1dJWEJBdER4d2U1S1JJYXdDMzVQRUNodGRlTDNMVGdpR1JDcHVwMEdsMmlOdXZOQWdtTHY3aEtaN0pjYzJ2QmtOOHZOZkZXSUkwTHNHUXZZaUhyRl81ejRWSjZYMG9EUWxzZDB4cE9ZR2xzUlA5R0xSdEo4?oc=5) · The Business Journals
- 2010-06-22 [Lloyd L. Kildoo - Ellwood City Ledger](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNaTkxLVRUU0dFT1ZwSnBqaUlWVUdTdkd0VjFFR2thOWZZXy0yeDB0MWI5WWRKcmU0cER5MFVYSzhidTdWaW1PMWs4T3VUWjhyelZfUDJyeGRtNU0tNDBBMVJiVmNQOUhlXzh4aHF2U1YyNTAxUEJjLXV6c3FBamlKLVhyZlZxdmlmTnIw?oc=5) · Ellwood City Ledger
- 2021-04-08 [End of an era: Redwood Cafe demolished - hometownsource.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPcE5oa1FQazZqR25qUFpSNkZBUWk0REtRNFJxajhYVHBjQXNEU3BzcmlrVjRlVmRXMllqRTlFMldqNFJVd3RseUxydW91M0JRanh2Skc5VmRxcEVpTlgzWGRFYXMyczlYbGlGakZGenFRcFNXSUdidmRmYUN4QUZRQXlyb2VTaU1XM2lHZW1YTWQtR19nZ0RsOUZtR2xPdUM1d1NCeDRla3VETl9lV3R6ZFZYdEhDeW1pSE0wU3BXdlNJY2ljdXZfdW1vWUdtMDlZemYyUVlR?oc=5) · hometownsource.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10980 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "10980", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide