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.

From Q2 2025 to Q2 2026, the score fell 4 points (63 → 59), mostly because the loan quality component weakened by 15 points.

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 Kansas

Yes. ESB Financial is an FDIC-insured institution (FDIC certificate #16629). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.7% of deposits ($89.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.07%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.40% (benchmark: 10%).

Check how much of your own balance is covered

ESB Financial lists 3 offices in 2 cities. Most locations:

• Emporia, KS (2)
• Manhattan, KS (1)

All branch addresses and map

In 2025, ESB Financial reported 136 home-loan applications under HMDA (LEI 54930011U6TQ5MJCDV15): 132 originated ($25,200,000 total), 2 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

ESB Financial

Former names

Emporia State Bank and Trust Company; Emporia State Bank

Type

State-chartered bank

FDIC certificate #

16629

RSSD ID

918954

Primary regulator

FDIC

Holding company

Namyaw Corp Inc

Established

March 16, 1901

Headquarters

801 Merchant St, Emporia, KS 66801

Website

www.esbfinancial.com

Employees

58