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BankSonar

ESB Financial

Emporia, KS · State, non-member commercial bank

68

Sonar Score

Stable

out of 100 · from public FDIC data

Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.

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Key figures

Total assets
$392.7M
Total deposits
$343.4M
Branches
4
Return on assets
1.58%
Return on equity
19.78%
Charter type
State, non-member commercial bank
Established
1901
FDIC cert #
16629

How the 68 breaks down

Capital adequacyweight 40%

Capital ratio not reported.

Profitability (ROA)weight 30%

Strong returns on its asset base.

Return on equityweight 15%

Efficient use of shareholder capital.

Scale & stabilityweight 15%

Community-scale institution.

Read the full Sonar Score methodology →

Your deposits at ESB Financial

ESB Financial is an FDIC-insured institution (Cert #16629). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →

4 branch locations

801 Merchant St

Emporia, KS 66801

12th And Industrial Roads

Emporia, KS 66801

801 Merchant St

Emporia, KS 66801

224 E Poyntz Ave

Manhattan, KS 66502

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