Esb Financial
Emporia, KS · Cert 16629 · Peer group: banks under $1B in assets in KS (n=98) · Namyaw Corp. Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$381.3MAssets
$271.9MLoans
$335.9MDeposits
$32.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 86% of banks under $1B in assets in KS (rank 14 of 98).
- Widest gap: equity / assets trails 81% of banks under $1B in assets in KS (rank 79 of 98).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.40%
Rank 38 of 98
Net Interest Margin
3.55%
Rank 54 of 98
Efficiency Ratio
59.38%
Rank 56 of 98
Equity / Assets
8.39%
Rank 79 of 98
Non-interest income vs. expense
Unfavorable gap of $6.9M · efficiency ratio beats 44% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.40% | 1.03% | 1.24% | 1.54% | Beats 61% | 38 / 98 | |
| Return on Equity | 16.62% | 8.85% | 11.58% | 14.73% | Beats 86% | 14 / 98 | |
| Net Interest Margin | 3.55% | 3.24% | 3.62% | 3.91% | Beats 45% | 54 / 98 | |
| Efficiency Ratio | 59.38% | 51.87% | 58.88% | 64.74% | Beats 44% | 56 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.58% | 0.01% | 0.33% | 1.05% | Beats 19% | 80 / 98 | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.00% | 0.03% | Beats 27% | 73 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 12.44% | 11.81% | 13.71% | 17.33% | Beats 34% | 65 / 98 | |
| Total Risk-Based Capital Ratio | 13.40% | 11.81% | 14.13% | 17.45% | Beats 44% | 55 / 98 | |
| Equity / Assets | 8.39% | 8.60% | 11.34% | 13.10% | Beats 19% | 79 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 80.94% | 57.09% | 69.84% | 82.47% | 72nd pctl | 27 / 98 | |
| Loans / Assets | 71.31% | 49.34% | 58.31% | 68.94% | 83rd pctl | 17 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |