# ESB FINANCIAL
EMPORIA, KS · FDIC certificate 16629 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $381.3M | |
| Deposits | $335.9M | |
| Loans and leases | $271.9M | |
| Total equity | $32.0M | |
| Loans / deposits | 80.16% (p45 of band) | 82.04% |
| Liquid assets / assets | 25.61% (p52 of band) | |
| Uninsured deposits / deposits | 26.65% (p53 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.88% (p47 of band) | |
| FHLB advances / assets | 2.88% | |
| Tier 1 leverage | 9.07% (p14 of band) | 10.81% |
| Unrealized securities loss / equity | -17.20% (p27 of band) | -8.10% |
| AOCI / equity | -0.69% (p33 of band) | |
| ROA (annualized) | 1.69% (p75 of band) | 1.28% |
| Net interest margin | 3.76% (p41 of band) | 3.91% |
| Efficiency ratio | 59.38% (p44 of band) | |
| Noncurrent loans | 1.58% (p84 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p60 of band) | |
| Reserve coverage of noncurrent | 61.35% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 70.60% (p71 of band) | |
| Auto loans | $1.5M (0.55% of loans; DQ 7.32%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.1% | |
| Employees | 58 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## 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 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | capital falling, reserve under noncurrent |  |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 | reserve under noncurrent | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 | reserve under noncurrent | charge-offs p90 |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 4 | NIM <2.5% |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 5 | expense ratio p90 |  |
| 2022-03 | 4 |  | expense ratio p90 |
| 2022-06 | 5 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 5 |  |  |
| 2022-12 | 5 | assets shrinking | NIM <2.5% |
| 2023-03 | 5 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 5 |  |  |
| 2023-09 | 4 |  | assets shrinking |
| 2023-12 | 2 | capital falling | noncurrent p90, reserve under noncurrent, deposits shrinking |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity, reserve under noncurrent |  |
| 2025-03 | 1 |  | securities losses >30% of equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 | capital falling | reserve under noncurrent |
| 2025-12 | 2 | reserve under noncurrent |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 1 |  | capital falling |

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

- 2026-01-13 [ESB Financial celebrates 125 years of service, tradition and growth - Emporia Gazette](https://news.google.com/rss/articles/CBMijgFBVV95cUxNT2d1X19NWEJzeWJmcXlUS1BJLW1VdkV6cDFyUUxydGUzcS05WEF0YVhxZXFLMWtzdEx3RG9PRkM5dFpMakhEdXJHbi1WMUEzSldWVlJHS3ZkY0t5eVpHaXFkcjBDZ3RpenpNelB4NVRfMS1vb2NrYTZfM2p3WHdIdi1jZ0RwUV9uNWFLc3dB?oc=5) · Emporia Gazette
- 2026-03-12 [ESB Financial marks 125th birthday with lead gift for David Traylor Zoo eagle exhibit project - KVOE](https://news.google.com/rss/articles/CBMivwFBVV95cUxPZXdEOVk0QnNmWTNrMVprNVpUY19QREhMNHZ4TWE2OUl4eGFSaS1hV3JJQ2lSS0Nfclg1QXJUVi01R28tQWFfQmFoSlVrWm5hUXYxZjBYOUUydzJ3QWM1NkJ6bTNteDhPcW5wWmZGZVQ1bzRXelJXWkZud1d2RW9OQzVPS1NFSDhDcHBiaGhtc0Fxd01iT0dnTC1FUHRhOHdxSmJhV3VjX0FfZUdaakNENTlFNmxmWXhaN2doSDNRQQ?oc=5) · KVOE
- 2025-11-13 [ESB Financial retirees share 370 years of experience - Emporia Gazette](https://news.google.com/rss/articles/CBMikwFBVV95cUxNdzBKQ0k2Q19PUTdLSUFLa0xIVm9uMkNzNERLbHNvaWk4dGJ1YV9DMVdJRlloaE53cDlYQXgyblZNX1pkMTBDcVRhZDdSNDhGd2N6U09scGVfVnZvdVI0UW1LRXVMV2Y2Mi1nV2xRdnBGUWxsTnNEWTlwS0Y1Rl9yalZ5NWlvSmNuSnNBMmFhVmtlRUE?oc=5) · Emporia Gazette
- 2026-03-12 [ESB Financial celebrates 125th birthday, pledges $100,000 to new eagle exhibit - Emporia Gazette](https://news.google.com/rss/articles/CBMijgFBVV95cUxNZm9VQUlyVXFjek5fdVVsenpQdHlHV1l3X0xrMDh4YU5JckladFBCV1E3c2xkQlVERVZzWGlPS3dIUDJsdUlOTExJaFA4Q1hrNDBWRTNlTHFMUF9MaGE4TU9nOHdZNWcxcTVySGxOSDd2OEJKZlZERlFyOTlkdnlueG90QTRGc3cyZDRyd3NB?oc=5) · Emporia Gazette
- 2025-05-04 [Travis Lee Edwards Obituary (2025) - Topeka, KS - Midwest Cremation, Inc. - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNQV9BVzdFTHNvRG1Zd2tyanBlSG9rLVM0X3RnV0Z0Z0FQT3JFZVhrTV9zYmlrUnJkT3JLQWhIX05fRVBVRVBNYnR5LXhneWg1eXpuOFJOSW9HUjBRWWl0MkxNOGV0a2xxWmZyeDY5OGtoUGtnNUNlcDAzQ21RUDR1d0JBUQ?oc=5) · legacy.com
- 2025-12-16 [ESB Financial Welcomes New Board Member Karen Hibbard - Emporia Gazette](https://news.google.com/rss/articles/CBMijgFBVV95cUxPTWRPN3BqVm5vVE04YW5XMW9SU0FCNHdMSWkxazNZbnVRYnhIckVaOTU4bHJoYTZlRE1IT0MzUFdPc1BoZU96MlZOSEJOU0h2R3diX3pSUEN5Sk9Ib2oxcEtLOW5CdnVLc0FIYl9pZVN3RElnT2UxVXVVb2pfazRiOHVxYlNtX2hLQ09kSHJB?oc=5) · Emporia Gazette
- 2025-03-27 [ESB Financial Welcomes New Board Member Ryan Arndt - Emporia Gazette](https://news.google.com/rss/articles/CBMijgFBVV95cUxPWGhhV01WcU93VUlTZXFZZVN1N1lXT1g3MW1PTTZZWGVJY2pqaWZaOXk5REh5ZG9XNGRCb2VSNWVwSHdVOEdaUDFDSXEwVEMtSzdPcmlMUGN4NFhUZHhKbEk0alVka010N25yWGdRVmwxUlZTYjEwbGFJRGJzekw5cE94eHVIRzZnSVVjM21R?oc=5) · Emporia Gazette
- 2022-01-29 [ESB Financial Celebrates Jim Wayman’s Retirement - Emporia Gazette](https://news.google.com/rss/articles/CBMijAFBVV95cUxPano2MEo2NjNMR2E0M01yYkNHelB6R29Rd1NzUk1JN0RqY0RkRnN3MkdCMzc1RTEtTzBiaGY5SmhJSE1TREZnR3hhZHRUOWJxSmVjQTdJYWRWRkFCdlNXOFdndXJvQUdLVld1amlKVHZCekttZmxQOERDYTZTekR3bk1PRldRU3cxQXNIdg?oc=5) · Emporia Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16629 (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/53.json (key "16629", 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