Bank · FDIC insured
ESB Financial
A $381.3M bank headquartered in Emporia, KS, with 4 branches in Kansas. Best rates: CDs 3.80% and savings 0.40% APY.
ESB Financial Carrot Score
75
Carrot Score
Higher than 39% of U.S. banks and credit unions
#4 of 5 in Emporia, KS metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About ESB Financial
ESB Financial has served the Kansas community since 1901.
- Headquarters
- 801 Merchant St, Emporia, KS 66801
- FDIC certificate
- 16629 ↗
Branches
4 branches in Kansas
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Kansas
4 branches
Emporia area · 3
- ESB FinancialMain office801 Merchant St, Emporia, KS 66801Directions
- Industrial Plaza Branch12th And Industrial Roads, Emporia, KS 66801Directions
- Motor Facility Branch801 Merchant St, Emporia, KS 66801Directions
Manhattan area · 1
- Manhattan Branch224 E Poyntz Ave, Manhattan, KS 66502Directions
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 | 9.07% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.58% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.69% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $81 | $81 | — |
- CapitalLeverage ratio9.07%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.58%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.69%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$81Peers’ 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 Financial are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.