BlastPoint's Banking Scorecard
ESB Financial
Emporia, KS
4 branches across KS
ESB Financial has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 45.6% in tier
- + ROA 0.31% above tier average
- + Efficiency Ratio 3.82% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.29% below tier average
- - Delinquency Rate 0.62% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$392.7M
+12.0% YoY
+3.0% QoQ
|
+$6.6M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
60% |
| Total Loans ? |
$263.0M
+19.4% YoY
+4.1% QoQ
|
+$7.3M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
62% |
| Total Deposits ? |
$343.4M
+12.7% YoY
+3.8% QoQ
|
+$15.4M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
62% |
| Return on Assets ? |
1.58%
+28.0% YoY
+38.2% QoQ
|
+0.31% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
72% |
| Net Interest Margin ? |
3.64%
+11.0% YoY
+0.4% QoQ
|
-0.29% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
37% |
| Efficiency Ratio ? |
61.47%
-9.9% YoY
-14.9% QoQ
|
-3.82% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
55% |
| Delinquency Rate ? |
1.51%
+22.0% YoY
-13.1% QoQ
|
+0.62% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
76.60%
+5.9% YoY
+0.3% QoQ
|
-0.04% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
23.48%
+0.7% YoY
+3.2% QoQ
|
+1.46% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
61% |
| Nonperforming Asset Ratio ? |
1.01%
+30.1% YoY
-12.2% QoQ
|
+0.37% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
19% |
| Tier 1 Capital Ratio ? |
12.00%
-10.7% YoY
-5.2% QoQ
|
-3.83% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.22%
-2.7% YoY
-74.6% QoQ
|
-0.06% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Top 11.9% in tier |
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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.