Esb Bank is a bank based in Caledonia, Minnesota, established in 1909, with $198 million in total assets across 3 branches. By Trust Grade it ranks 89th of 224 banks we track in Minnesota. Its capital ratio of 9.4% trails most similarly sized banks (37th percentile), versus a Minnesota median of 9.5%. It was profitable over the most recent period, with a 1.52% return on assets. No consumer complaints against Esb Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Esb Bank compares to Minnesota peers
How we graded Esb Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.4% capital ratio)
- Strongly profitable (ROA 1.52%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Esb Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 108 Iowa Ave S, Eitzen, MN 55931
- 115 N Highway 44/76, Caledonia, MN 55921
- 109 S Walnut St, La Crescent, MN 55947
Are deposits at Esb Bank insured?
Yes. Esb Bank is an FDIC-insured bank (FDIC certificate #10980). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Esb Bank: frequently asked questions
Is Esb Bank a good bank?
Esb Bank earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (9.4% capital ratio); Strongly profitable (ROA 1.52%).
Is Esb Bank FDIC-insured?
Yes. Esb Bank is a FDIC-insured bank (FDIC certificate #10980). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Esb Bank?
Esb Bank holds $198 million in total assets, ranking 89th of 224 banks we track in Minnesota. It operates 3 branches.
Does Esb Bank have CFPB complaints?
No CFPB complaints against Esb Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
