🏦Bank Scorer

ESB FINANCIAL

EMPORIA, KS · Supervised by FDIC

Est. 1901FDIC #16,629RSSD: FDIC-16629
Part ofNAMYAW CORP INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2024

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Consumer Complaints (12 mo)

None on record

0 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 1.58%

Institution Profile

FDIC BankFind

Address

801 Merchant St, EMPORIA, KS

County

Lyon County

Established

March 16, 1901

Total Assets

$393M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$393M

Total Deposits

$343M

Net Loans

$263M

Net Income

$2M

ROA

1.58%

ROE

19.78%

Risk-Based Capital

12.92%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg
Complaints / $B0.00Peer avg: 411.37▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$314M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202410495.19%0.00%
202311994.12%1.68%
202215894.3%2.53%
202124396.3%2.47%
202032293.79%3.73%
201917496.55%1.72%
201812595.2%3.20%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Consumer Complaints

CFPB · through May 2022

Last 12 Months

0

All Time

10

Monetary Relief

0%

Untimely Response

0%

Most common complaint type: Credit reporting, credit repair services, or other personal consumer reports· 0 per $B assets (12m)

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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