Bank · FDIC insured
ESB Banking & Insurance
Top CarrotA $208.9M bank headquartered in Caledonia, MN, with 3 branches in Minnesota. Best rates: CDs 4.09% and savings 2.53% APY.
ESB Banking & Insurance Carrot Score
Carrot ScoreTop Carrot
Higher than 87% of U.S. banks and credit unions
#8 of 23 in La Crosse, WI-MN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About ESB Banking & Insurance
Locally owned ESB Bank has served the Tri-State area for over 100 years, with offices in Eitzen, Caledonia, and La Crescent, Minnesota.
- Headquarters
- 115 N Highway 44/76, Caledonia, MN 55921
- FDIC certificate
- 10980 ↗
Branches
3 branches in Minnesota
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Minnesota
3 branches
- ESB BankMain office115 N Highway 44/76, Caledonia, MN 55921Directions
- Eitzen Office108 Iowa Ave S, Eitzen, MN 55931Directions
- La Crescent Branch109 S Walnut St, La Crescent, MN 55947Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.20% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.87% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.54% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $92 | $81 | — |
- CapitalLeverage ratio9.20%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.87%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.54%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$92Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of ESB Banking & Insurance are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.