Side-by-side · Q2 2026 data
ESB Financial vs Golden Belt Bank, FSA
Metric by metric
| Measure | ESB Financial | Golden Belt Bank, FSA |
|---|---|---|
| TellerScore | 59 | 68 (stronger) |
| Capital cushion | 41 | 51 (stronger) |
| Loan quality | 47 | 86 (stronger) |
| Earnings | 88 (stronger) | 66 |
| Funding & liquidity | 67 (stronger) | 62 |
| Problem-loan coverage | 75 | 91 (stronger) |
| Peer percentile | 17th | 37th |
| Total assets | $381.3M | $373.5M |
| Deposits / shares | $335.9M | $285.2M |
| Capital ratio | 9.07% | 10.07% (stronger) |
| Problem loans | 1.58% | 0.41% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.69% (stronger) | 1.15% |
| Loans ÷ deposits | 80.2% (stronger) | 97.4% |
| Uninsured deposits | 26.7% | 16.0% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | — |
Golden Belt Bank, FSA has the higher TellerScore (68 vs 59). On the 7 directional measures above (where higher or lower is clearly better), ESB Financial leads on 2 and Golden Belt Bank, FSA on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.