ESB FINANCIAL
EMPORIA, KANSAS · FDIC Cert #16629
Capital & Safety Analysis
According to FDIC financial data, ESB FINANCIAL holds a Tier 1 capital ratio of 12.93%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning ESB FINANCIAL has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
ESB FINANCIAL shows strong financial health indicators. With $341M in assets and a Health Score of 83/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
ESB FINANCIAL has a Bank Health Score of A (83/100). It holds a Tier 1 capital ratio of 12.93%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
ESB FINANCIAL holds $341M in total assets and $297M in total deposits. It is located in EMPORIA, KANSAS (FDIC Certificate #16629).
ESB FINANCIAL has a Tier 1 capital ratio of 12.93%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 1.11%, and the return on assets is 0.90%.
Yes. ESB FINANCIAL is FDIC-insured (Certificate #16629). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.