BlastPoint's Banking Scorecard
ESB Bank
Micro
Specialty: Agricultural
MN
FDIC cert 10980
Designations: ✓ Community bank
Caledonia, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
ESB Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 13.74% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$196.1M
+8.0% YoY
+3.3% QoQ
|
-$21.4M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$156.8M
+8.5% YoY
-1.8% QoQ
|
+$17.6M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$167.1M
+7.9% YoY
+3.6% QoQ
|
-$16.5M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
1.59%
+9.9% YoY
+0.5% QoQ
|
+0.50% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
3.57%
+3.1% YoY
+1.3% QoQ
|
-0.28% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
51.46%
-6.2% YoY
-1.2% QoQ
|
-16.27% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.12%
-73.3% YoY
|
-0.52% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
93.80%
+0.5% YoY
-5.2% QoQ
|
+19.27% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
8.65%
+4.4% YoY
+5.1% QoQ
|
-13.74% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.34%
-5.7% YoY
+34.7% QoQ
|
-0.11% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.44%
+12.5% YoY
+31.4% QoQ
|
-0.12% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.65%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Efficiency Ratio
Current: 51.46% · Tier avg: 67.73%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.08%
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
62
62th pctile
Total Loans
Current: $156.8M · Tier avg: $139.2M
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Total Deposits
Current: $167.1M · Tier avg: $183.7M
50
50th pctile
Total Assets
Current: $196.1M · Tier avg: $217.5M
47
47th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.45%
37
37th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.85%
16
16th pctile
Loan-to-Deposit Ratio
Current: 93.80% · Tier avg: 74.53%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.65% · Tier avg: 22.39%
Top Weaknesses
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.65% · Tier avg: 22.39%
16
16th pctile
Loan-to-Deposit Ratio
Current: 93.80% · Tier avg: 74.53%
37
37th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.85%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.45%
50
50th pctile
Total Assets
Current: $196.1M · Tier avg: $217.5M
51
51th pctile
Total Deposits
Current: $167.1M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
62
62th pctile
Total Loans
Current: $156.8M · Tier avg: $139.2M
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.08%
88
88th pctile
Efficiency Ratio
Current: 51.46% · Tier avg: 67.73%