# ESB BANK
ELLWOOD CITY, PA · FDIC certificate 27708 · asset band $1-10B · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $1.88B | |
| Deposits | $1.27B | |
| Loans and leases | $711.4M | |
| Total equity | $222.8M | |
| Loans / deposits | 55.49% (p10 of band) | 84.90% |
| Liquid assets / assets | 56.39% (p95 of band) | |
| Uninsured deposits / deposits | 18.50% (p34 of band) | 24.14% |
| Brokered deposits | 0.46% | |
| Wholesale funding | 20.28% (p83 of band) | |
| FHLB advances / assets | 15.57% | |
| Tier 1 leverage | 9.19% (p34 of band) | 9.76% |
| Unrealized securities loss / equity | 12.33% (p98 of band) | 0.91% |
| AOCI / equity | 4.76% (p89 of band) | |
| ROA (annualized) | 1.03% (p62 of band) | 0.93% |
| Net interest margin | 2.83% (p14 of band) | 3.54% |
| Efficiency ratio | 56.26% (p19 of band) | |
| Noncurrent loans | 1.07% (p63 of band) | 0.82% |
| Net charge-offs (annualized) | 0.02% (p27 of band) | |
| Reserve coverage of noncurrent | 76.84% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 10.71% (p19 of band) | |
| Auto loans | $9.7M (1.36% of loans; DQ 3.51%, NCO 0.01%) | |
| Loans to nondepository financials | $3.6M (2% of equity) (p82 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 259 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | NIM <2.5% |  |
| 2013-06 | 3 | assets shrinking | NIM <2.5% |
| 2013-09 | 2 |  | assets shrinking |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |

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

- 2014-10-30 [Market forces dictated ESB sale - Beaver County Times](https://news.google.com/rss/articles/CBMiogFBVV95cUxNaFNWZzBNVnZKb1ItYTE4Y3BNT0Y4SkotMm51aXVDZnc1WkR6RVFPUFpXNENqREZrR2pMYWVDRXhwZ3BZN2w5TGFZMVF1VEpqUlc1ejRiN3pQWXFxcHl4Szd3VTZJelY5LWdWSk9fdzFUZXNVOWZTUWhiQ1lKTE5iSGxlQzZmRnpvWW4wU21JdUtteUhWVEpLNHhnMnhnYWJvZ3c?oc=5) · Beaver County Times
- 2023-08-31 [Ellwood Federal/ESB Bank Employee Reunion Planned For November - Ellwood City.org](https://news.google.com/rss/articles/CBMinwFBVV95cUxQeldHTlRmcGZWbEMwVlc4YzJOdHczYkNkY2ZZc0RUMmxmQklMSzlnbExpTkQzSjhlcWFsQ2V0bXdkNDdtRjF1ZjZ2N2JGUnFTTTRQMDdpaU52YXhVNGxyYXFJX2JONl9HVlU5bGNtU1BQWmFKblM4b2s3bGRJVlp3VkRzVllkSHhaX0ZhQ1Vxc3Z2aUluQUN0SXJyMVUwT1k?oc=5) · Ellwood City.org
- 2014-10-31 [ESOP drives workforce engagement at ESB - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQZGhmOXY0Wi1nYVR0S1VOSDBabFJqVDU4Q1dtRkhyUnp4MTRfcEZzNjZGLVE4c0Mwd1dJWEJBdER4d2U1S1JJYXdDMzVQRUNodGRlTDNMVGdpR1JDcHVwMEdsMmlOdXZOQWdtTHY3aEtaN0pjYzJ2QmtOOHZOZkZXSUkwTHNHUXZZaUhyRl81ejRWSjZYMG9EUWxzZDB4cE9ZR2xzUlA5R0xSdEo4?oc=5) · The Business Journals
- 2011-04-04 [Ruth Slipp Obituary - Levittown, PA - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxQUTA2OXBNWUk0X2Vjc1hJUW9zeXJmV1BEYmVLWEs0VWgtSDY4RTM3TlRNWVFLWXZ1ZDZzOU5hdlNJNWZFWUUycThfMkZzYS1KQnAtMGhwMVZmeHdZRXZYZWhXamFrcmtIS3FYaGc0aUhHVjlnOEFqUURCS3dPbjdfNg?oc=5) · Dignity Memorial
- 2015-09-14 [Ellwood City man charged in 2014 bank robbery - Beaver County Times](https://news.google.com/rss/articles/CBMinAFBVV95cUxPcGg0WmMxVTRmMVdPQUdDS1hGVUJQa0hkSUQwRTYwQjFLeWFQN3BQb2ctbGtKMDBIRnNZZlNHU1hfY1Q5cGJyZ1BCUF9MdXpiZlprZ2pFU0RpdzdhLUxRc2VCQlJjQmZpSzl0ZWh6bmdGRUsyT2dXdFEtQ1hFNTlSX3IxcG5nTVhHeDlIN25DRlZaSEI1SmxGcGxLNGs?oc=5) · Beaver County Times
- 2008-02-22 [Kimberly Sciulli Obituary (2008) - South Fayette, PA - Pittsburgh Tribune Review - legacy.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxQT1B5dVRQYm9lNDFMNnFTLU50LXZqS1NDLVI4cURUSU5GUTRsRXQtQzNhSHdyTDJwaDNzWHRZWDUzZHFFVEdGMnVrcG10Sm5VcE9OSHdxdWJrRGxlSFdwUk5PdUZtTy1UUkpuQWxyN1JXSC10bllZZUhYZk54Mko2bFZJYWJIQUhZYTExanNfdzZPTl8ycjIzMXhxd01hOTl0WXJ6YlNKeU90STB1d0NQVlM2cDI?oc=5) · legacy.com
- 2008-12-07 [Fire damages Beaver Falls residence - Beaver County Times](https://news.google.com/rss/articles/CBMinwFBVV95cUxOR0x5SVFQN0NKZ2dpZmVHR1BBcXpBZzJqMlRvWnQzbGRvM2JnY0hYcFFCS1BaN0pZN21fMFgxUXZlaU5ORndndUMyVk5vYmdVZU9NZHpObjU5NGRjX0M5aDNTQ1dseFUtT1FFOElkWXgzTHhubDRrUjRaSE5wSnFMd3dtTHVXaE9TN1VoOEhINlV4LThxV3k0WXpHWVZwZkE?oc=5) · Beaver County Times
- 2021-01-15 [Monaca hires lifelong resident as borough manager - Beaver County Times](https://news.google.com/rss/articles/CBMitAFBVV95cUxNSnVWank3ODFqWTJBMC1xMmZtd3ZiNjZEdGJ3OVMwWjNkNmRZRzRfY3BtVWFya1BVdGZ3d3R6UW9CSVRYRWZPS20tU2tFMm44ZzZXRnJGVzF0aUFRdi1fZ1dqdERMZDNSMHhZWldLeW9UWFh2QWNISmNhRnNxZ3pCRWd5Q3N2aDVHeEtlazg2bmNZWTVkWmFSOTA3WHJrcDF3T3ZjVlpKYkF3MGV5dzhobHp5dlg?oc=5) · Beaver County Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27708 (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/60.json (key "27708", 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.

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