Esb Financial is a bank based in Emporia, Kansas, established in 1901, with $393 million in total assets across 4 branches. By Trust Grade it ranks 150th of 186 banks we track in Kansas. Its capital ratio of 7.8% trails most similarly sized banks (13th percentile), versus a Kansas median of 10.4%. It was profitable over the most recent period, with a 1.58% return on assets. No consumer complaints against Esb Financial appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Esb Financial compares to Kansas peers
How we graded Esb Financial
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.8% capital ratio)
- Strongly profitable (ROA 1.58%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Esb Financial over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 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
Are deposits at Esb Financial insured?
Yes. Esb Financial is an FDIC-insured bank (FDIC certificate #16629). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Esb Financial: frequently asked questions
Is Esb Financial a good bank?
Esb Financial earns a Bankzia Trust Grade of A (90/100, "Excellent"), based on a financial-strength score of 90/100 (it has no CFPB complaints on record). Well-capitalized (7.8% capital ratio); Strongly profitable (ROA 1.58%).
Is Esb Financial FDIC-insured?
Yes. Esb Financial is a FDIC-insured bank (FDIC certificate #16629). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Esb Financial?
Esb Financial holds $393 million in total assets, ranking 150th of 186 banks we track in Kansas. It operates 4 branches.
Does Esb Financial have CFPB complaints?
No CFPB complaints against Esb Financial appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
