|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 ESB Financial Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 26, 2026
ESB Financial's 182 Day - 11-Month CD rates are at 3.80%, 182 Day - 11-Month Certificates of Deposit (CDs) rates are at 3.80%, 182 Day - 11-Month IRA Certificates rates are at 3.80%, 182 Day - 11-Months 182 Day - 11-Month Certificates of Deposit (CDs) rates are at 3.80%, 48-Month Adjustable Rate IRA Certificates rates are at 3.75%. ESB Financial's savings rates are at 0.20%. ESB Financial's money market rates are at 0.25%. MonitorBankRates evaluates the financial stability of ESB Financial with a 5.0 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 25.76%. Rates were last updated on 03/26/2026. ESB Financial money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at ESB Financial? Share your experience about ESB Financial by leaving a review below, or read customer reviews before you decide to use ESB Financial. 
ESB Financial CD Rates
ESB Financial Savings Rates
ESB Financial Money Market Rates
ESB Financial Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for ESB Financial is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather ESB Financial rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with ESB Financial's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
ESB Financial
Bank Holding Company
NAMYAW CORP INC
Address
801 Merchant St,
Emporia, KS 66801 · Lyon
Website
https://www.esbfinancial.com
FDIC Certificate #
16629
Established
03/16/1901
FDIC Insurance Date
10/01/1947
Domestic Offices
4
Total Branches
4
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsB+
Overall Health Grade
Score: 87/100
5.0
Exceptional
Out of 5.0 Stars
25.76%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.8323%
Return on Equity (ROE)
12.1900%
Non-Performing Loans (NPL)
1.52%
Total Assets
$381,354,000
Total Deposits
$330,883,000
Equity Capital
$31,138,000
Net Income
$4,147,000
Headquarters
Emporia
Total Offices
4
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About ESB FinancialIs ESB Financial a safe place to deposit money?Yes, ESB Financial is considered a safe financial institution. With a Texas Ratio of 25.756028242817%, the institution's financial health is rated as stable. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does ESB Financial operate?ESB Financial currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, ESB Financial does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, ESB Financial provides members with tools to manage their accounts and build a solid financial history. Does ESB Financial offer online and mobile banking?Most modern institutions like ESB Financial provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.esbfinancial.com. Current ESB Financial Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
Beach Cities Commercial Bank
1st Trust Bank, Inc.
Bank of Cashton
Evergreen Bank Group
Washington Business Bank
FSB Livingston, TX
Heritage Community Bank Greeneville, TN
Forward Bank
The Yellowstone Bank
First Western Bank
River Bank
PNC Bank
First National Bank & Trust Company of McAlester
Savings Bank Circleville, OH
Commercial Bank West Liberty, KY
Riverview Bank
Town Country United Bank
First & Farmers National Bank
United Security Bank Fulton, MO
First Federal S&L of Lorain
Bank of Wolcott
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
