ESB Bank is a state-chartered bank headquartered in Caledonia, Minnesota, in business for about 117 years. At the end of Q2 2026 it reported $208.9M in total assets and $179.1M in deposits, with 3 offices.
Based on its Q2 2026 filing, ESB Bank scores 65/100, which we describe as moderate. That is higher than only 29% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 148th. Its strongest component is earnings (82/100; 1.54%), and its lowest is capital cushion (42/100; 9.20%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 8 points (73 → 65), mostly because the loan quality component weakened by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 74 |
| Q4 2024 | 70 |
| Q1 2025 | 70 |
| Q2 2025 | 73 |
| Q3 2025 | 73 |
| Q4 2025 | 73 |
| Q1 2026 | 65 |
| Q2 2026 | 65 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.81% |
| Q3 2024 | 9.46% |
| Q4 2024 | 9.55% |
| Q1 2025 | 9.80% |
| Q2 2025 | 9.91% |
| Q3 2025 | 9.29% |
| Q4 2025 | 9.41% |
| Q1 2026 | 9.53% |
| Q2 2026 | 9.20% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.45% |
| Q1 2025 | 0.43% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.12% |
| Q1 2026 | 0.98% |
| Q2 2026 | 0.87% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.46% |
| Q3 2024 | 1.53% |
| Q4 2024 | 1.44% |
| Q1 2025 | 1.43% |
| Q2 2025 | 1.48% |
| Q3 2025 | 1.58% |
| Q4 2025 | 1.59% |
| Q1 2026 | 1.52% |
| Q2 2026 | 1.54% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $208.9M | 9.20% | 0.87% | 1.54% | 90.7% |
| Q1 2026 | 65 | $198.1M | 9.53% | 0.98% | 1.52% | 93.2% |
| Q4 2025 | 73 | $196.1M | 9.41% | 0.12% | 1.59% | 93.8% |
| Q3 2025 | 73 | $189.9M | 9.29% | 0.00% | 1.58% | 99.0% |
| Q2 2025 | 73 | $184.7M | 9.91% | 0.11% | 1.48% | 96.3% |
| Q1 2025 | 70 | $180.7M | 9.80% | 0.43% | 1.43% | 95.8% |
| Q4 2024 | 70 | $181.5M | 9.55% | 0.45% | 1.44% | 93.3% |
| Q3 2024 | 74 | $176.7M | 9.46% | 0.02% | 1.53% | 98.1% |
| Q2 2024 | 74 | $172.4M | 9.81% | 0.00% | 1.46% | 97.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Grand Marais State BankBank Grand Marais, MN | 75 out of 100, Strong | $207.2M | 8.4% | 0.10% | vs |
| Wadena State BankBank Wadena, MN | 81 out of 100, Strong | $206.6M | 9.8% | 0.04% | vs |
| F & M Community Bank, National AssociationBank Preston, MN | 74 out of 100, Strong | $211.1M | 9.9% | 0.00% | vs |
| Minnstar Bank National AssociationBank Lake Crystal, MN | 70 out of 100, Strong | $204.0M | 10.4% | 0.36% | vs |
| Keen Bank, National AssociationBank Waseca, MN | 76 out of 100, Strong | $201.1M | 8.4% | 0.06% | vs |
| Lakeview BankBank Lakeville, MN | 58 out of 100, Moderate | $218.3M | 8.9% | 1.00% | vs |
Deposit insurance
Is my money safe at ESB Bank?
Yes. ESB Bank is an FDIC-insured institution (FDIC certificate #10980). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.8% of deposits ($24.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.20%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
ESB Bank lists 3 offices in 3 cities. Most locations:
- Caledonia, MN (1)
- Eitzen, MN (1)
- La Crescent, MN (1)
Identity & history
Profile
- Legal name
- ESB Bank
- Former names
- Eitzen State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10980
- RSSD ID
- 40855
- Primary regulator
- FDIC
- Holding company
- Eitzen Independents Inc
- Established
- January 2, 1909
- Headquarters
- 115 N Highway 44/76, Caledonia, MN 55921
- Website
- www.esbbanking.com
- Employees
- 21
Quick answers
ESB Bank: common questions
Is ESB Bank FDIC insured?
Yes. ESB Bank is an FDIC-insured institution (FDIC certificate #10980). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is ESB Bank's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has ESB Bank ever failed?
There is no failure record for FDIC certificate #10980 in the FDIC failed bank list.
How many branches does ESB Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Caledonia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| New Albin Savings BankBank New Albin, IA | 92 out of 100, Very strong | $350.6M | 15.5% | 0.00% | vs |
| Firefighters Credit UnionCredit union Onalaska, WI | 83 out of 100, Strong | $133.0M | 16.1% | 0.57% | vs |
| Gundersen Credit UnionCredit union LA Crosse, WI | 82 out of 100, Strong | $85.3M | 13.8% | 0.07% | vs |
| Kerndt Brothers Savings BankBank Lansing, IA | 79 out of 100, Strong | $347.2M | 10.9% | 0.65% | vs |
| Altra Federal Credit UnionCredit union Onalaska, WI | 78 out of 100, Strong | $3.1B | 12.7% | 0.46% | vs |
| Citizens State Bank of La CrosseBank La Crosse, WI | 76 out of 100, Strong | $648.5M | 13.4% | 1.06% | vs |