ESB Financial: how it compares with its peers
Against 71 KS banks with half to twice its assets, ESB Financial's strongest measure in Q2 2026 is return on assets (1.69% vs. a 1.51% peer median). Its weakest relative measure is net interest margin (3.76% vs. 4.06%).
| Measure | ESB Financial | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.69% | 1.51% | Middle third Ahead of 66% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.76% | 4.06% | Bottom third Ahead of 32% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.38% | 58.80% | Middle third Ahead of 44% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $6.6M | Middle third Ahead of 49% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.16% | 77.38% | Context |
What it means for lending operations
Its efficiency ratio of 59.38% is above the 58.80% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Guaranty State Bank and Trust Company Beloit, KS · $381M
- Commercial Bank Parsons, KS · $382M
- Bank of Hays Hays, KS · $379M
- Community First National Bank Manhattan, KS · $375M
- Golden Belt Bank, FSA Hays, KS · $374M
- The Farmers State Bank of Oakley, Kansas Oakley, KS · $396M
Questions about ESB Financial
How big is ESB Financial?
ESB Financial, established in 1901, is headquartered in Emporia, KS. It reported $381M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is ESB Financial's return on assets?
1.69% annualized in Q2 2026, against a 1.51% median for 71 KS banks with half to twice its assets, ahead of 66% of them.
What is ESB Financial's efficiency ratio?
59.38% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 58.80%, and lower is better.
Is ESB Financial growing its loans?
Net loans grew 14.7% over the year to Q2 2026, while deposits grew 7.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.