ESB Bank

115 North Highway 44/76
Caledonia, MN 55921


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 10980
Date Established 1909
Assets $0.11 billion
Loans $0.08 billion
Deposits $0.09 billion
Capital $0.01 billion

ESB Bank is an FDIC insured institution located in Caledonia, MN. It was founded in 1909 and has approximately $0.11 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of ESB Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in ESB Bank’s loan portfolio are Commercial and Industrial Loans, 1-4 Family Residential Loans, and Farm Loans.

Compared to other banks, ESB Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 13.64
Credit Card Loans 0.02
Consumer Auto Loans 3.67
Small Business Loans 6.99
Construction and Development Loans 3.04
Commercial Real Estate 12.20
Commercial and Industrial Loans 16.43
Farm Loans 13.44

Deposit Rates - May 24, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
1.51% $2,500 $9,999 Learn MoreShow Less
Money Market
1.66% $10,000 $49,999 Learn MoreShow Less
3 Mo CD
2.01% $10,000 - Learn MoreShow Less
6 Mo CD
2.01% $10,000 - Learn MoreShow Less
12 Mo CD
2.27% $10,000 - Learn MoreShow Less
18 Mo CD
1.00% $10,000 - Learn MoreShow Less
24 Mo CD
2.52% $10,000 - Learn MoreShow Less
36 Mo CD
2.62% $10,000 - Learn MoreShow Less
48 Mo CD
2.72% $10,000 - Learn MoreShow Less
60 Mo CD
2.83% $10,000 - Learn MoreShow Less

2.27% $1 $9,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
2.62% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.30% $2,500 $4,999 Learn MoreShow Less

Loan Rates - May 24, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for ESB Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.905% 3.875% 0.38 $900 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to ESB Bank
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ESB Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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ESB Bank Locations

Financial Details

ESB Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of ESB Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
ESB Bank U.S. Bank Average
19.64% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, ESB Bank had $0 in non-current loans and $2,250,000 in owned real estate. To cover these potential losses it had $10,450,000 in equity and $1,004,000 in loans loss reserves. That gives it a Texas Ratio of 19.64%.

Return on Equity
ESB Bank U.S. Bank Average
17.39% 8.80%

ESB Bank has a Return on Equity of 17.39% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

ESB Bank U.S. Bank Average
9.36% 12.29%

ESB Bank has a Capitalization of 9.36% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

ESB Bank Balance Sheet Analysis

As of December 31, 2018, ESB Bank had assets of $111,593,000, loans of $83,122,000, and deposits of $90,562,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.08 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.10 billion
Total deposits $0.09 billion
      Interest-bearing deposits $0.08 billion
      Deposits held in domestic offices $0.09 billion
      % insured (estimated) 87.40%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.10 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

December 31, 2018
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Esb Bank

Branches and Savings

Is Esb Bank FDIC insured?

Yes. It is covered under FDIC Certificate #10980.

Why does Esb Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Esb Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Esb Bank a commercial bank?


Where are Esb Bank locations?

See branch locations nearby.

Is Esb Bank open on Saturdays?

Is Esb Bank open on Sundays?

What time does Esb Bank open?

What time does Esb Bank close?

Are Esb Bank ATMs Open 24/7?

Do Esb Bank ATMs accept cash deposits?

Can Esb Bank customers use other ATMs?

Do Esb Bank branches have notaries?

Will Esb Bank notarize my document?

What address for Esb Bank should I put for incoming ACH transfers?

Will the Esb Bank branch print checks?

Do Esb Bank checks expire?

Does Esb Bank require US citizenship to open account?

Can Esb Bank close my account?

Does Esb Bank Report to credit bureaus?

Does Esb Bank Use Equifax?

What is Esb Bank's ACH Routing Number?

What is Esb Bank's SWIFT code?


Does Esb Bank offer mortgages?

Compare mortgage rates here.

Does Esb Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Esb Bank offer personal loans?

Compare personal loan rates here.

Does Esb Bank offer student loans?

Will Esb Bank cash a check?

Will Esb Bank redeem a savings bond?

Does Esb Bank cash savings bonds?

Will Esb Bank cash money orders?

Can Esb Bank issue a money order?

Does Esb Bank do currency exchange?

Background on The Bank

Who owns Esb Bank?

How long has Esb Bank been around?

Can Esb Bank transfer to other banks?

Does Esb Bank have quick pay?

Does Esb Bank accept rolled coins?

Will Esb Bank accept loose change?

Where is Esb Bank headquarters?

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