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Esb Bank
Caledonia, MN · FDIC Certificate #10980 · Chartered 01/0
Total assets
$208.87M
Total deposits
$179.12M
Total equity
$18.97M
Net loans
$162.43M
Branches (offices)
3
Net income (YTD)
$1.55M
Rank: #2,919 of 4,213 U.S. banks by assets · #113 of 221 in Minnesota. Assets changed 13.1% and deposits 12.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.54% |
| Return on equity | 16.60% |
| Net interest margin (YTD) | 3.55% |
| Equity to assets | 9.08% |
| Tier 1 leverage ratio | 9.20% |
| Uninsured deposits (share of deposits) | 13.8% |
| Noncurrent loans (share of loans) | 0.87% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 90.7% |
| Real estate loans (share of loans) | 76.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $123.49M | 76.0% | |
| Commercial & industrial | $21.32M | 13.1% | |
| Consumer / individual | $6.51M | 4.0% | |
| Construction & development | $2.65M | 1.6% | |
| Agricultural | $12.84M | 7.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $151.78M | $127.94M | $1.07M | $14.16M |
| Jun 2023 | $155.05M | $128.69M | $1.11M | $15.38M |
| Jun 2024 | $172.44M | $144.25M | $1.23M | $16.59M |
| Jun 2025 | $184.70M | $159.96M | $1.35M | $17.92M |
| Jun 2026 | $208.87M | $179.12M | $1.55M | $18.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $179.12M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $179.12M.
Similar-sized banks
Capitol National Bank ($209.28M) · Peru Federal Savings Bank ($208.48M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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