BlastPoint's Banking Scorecard
ESB Financial
Emporia, KS
4 branches across KS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
- Deposits +7.1% year over year ($335.9M on the books).
- Delinquency rate 1.60%.
- Return on assets 1.69%.
- Efficiency ratio 59.38% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.16% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
ESB Financial has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 45.1% in tier
- + ROA 0.37% above tier average
- + Efficiency Ratio 5.09% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.22% below tier average
- - Delinquency Rate 0.68% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$381.3M
+5.6% YoY
-2.9% QoQ
|
-$5.3M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
58% |
| Total Loans ? |
$269.3M
+14.7% YoY
+2.4% QoQ
|
+$10.9M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
62% |
| Total Deposits ? |
$335.9M
+7.1% YoY
-2.2% QoQ
|
+$9.2M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
61% |
| Return on Assets ? |
1.69%
+23.6% YoY
+7.0% QoQ
|
+0.37% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
75% |
| Net Interest Margin ? |
3.76%
+13.6% YoY
+3.4% QoQ
|
-0.22% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
59.38%
-9.3% YoY
-3.4% QoQ
|
-5.09% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
59% |
| Delinquency Rate ? |
1.60%
+38.7% YoY
+5.6% QoQ
|
+0.68% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
80.16%
+7.1% YoY
+4.6% QoQ
|
+2.20% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
22.20%
-6.0% YoY
-5.5% QoQ
|
+0.17% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
56% |
| Nonperforming Asset Ratio ? |
1.13%
+50.6% YoY
+11.4% QoQ
|
+0.46% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
12.44%
-5.9% YoY
+3.7% QoQ
|
-3.47% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.44%
-5.6% YoY
+104.3% QoQ
|
-0.13% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Top 11.8% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.2%
-1.4pp YoY -1.3pp QoQ |
0.0pp | 22.1% | 22.3% | 22.2% | 55% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.7%
-0.4pp YoY -1.2pp QoQ |
+4.1pp | 11.6% | 12.6% | 12.5% | 78% |
| CRE |
38.6%
+0.5pp YoY +0.6pp QoQ |
-1.0pp | 39.5% | 28.8% | 41.4% | 50% |
| 1-4 Family |
30.7%
-2.4pp YoY -0.5pp QoQ |
-1.9pp | 32.6% | 26.7% | 31.3% | 53% |
| Consumer |
2.1%
-0.5pp YoY -0.1pp QoQ |
-2.0pp | 4.1% | 4.6% | 5.0% | 49% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.4%
-0.8pp YoY +0.4pp QoQ |
-6.4pp | 18.8% | 23.3% | 19.7% | 22% |
| Leverage Ratio |
9.1%
-0.3pp YoY +0.2pp QoQ |
-3.1pp | 12.2% | 12.6% | 12.6% | 13% |
| Total Capital Ratio |
13.4%
-0.8pp YoY +0.5pp QoQ |
-6.5pp | 19.9% | 24.4% | 20.8% | 21% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
58
-1 (-1.7%) YoY 0 QoQ |
-1 | 58 | 70 | 482 | 61% |
| Assets per Employee ($) |
$6.6M
+7.4% YoY -2.9% QoQ |
-$944K | $7.5M | $7.1M | $8.8M | 44% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 6 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.6%
+0.4pp YoY +0.1pp QoQ |
+0.7pp | 0.9% | 0.8% | 1.0% | 83% |
| Allowance Coverage |
0.61x
-32.1% YoY -4.1% QoQ |
-23.54x | 24.15x | 22.44x | 20.23x | 14% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY -0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 55% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.8%
+3.4pp YoY +1.0pp QoQ |
+8.6pp | 12.2% | 14.3% | 11.6% | 90% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.6% | 1.7% | 57% |
| Net Income ($, YTD) |
$3.3M
+34.9% YoY — QoQ |
+$705K | $2.6M | $3.7M | $40.4M | 73% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.