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In accordance with the Community Reinvestment Act (CRA) Regulation (Regulation BB, 12 CFR 25), ESB Financial is required to maintain and, upon request, provide a complete CRA Public File. The CRA Public File includes information about the Bank’s branch and ATM locations, our products and services, regulatory performance evaluation of our record of meeting community credit needs, and other information. The information provided is current as of April 1 of each year. If you're interested in viewing our CRA Public File, please click the links listed below.

Questions or comments about this information or regarding our CRA performance in helping to meet community credit needs may be addressed to:

Eric A. Porter, Vice President

P.O. Box 807

Emporia, KS 66801

You can also direct e-mails to [email protected]



CRA Performance Evaluation

CRA 2024 Performance Evaluation

List of Services

Personal Checking Solutions

Personal Savings Solutions

Personal Account Services

Business Checking Solutions

Business Savings Solutions

Business Account Services

Additional Tools

Other Additional Services

Fee Schedule...coming soon

Loan to Deposit Ratios

Loan to Deposit Ratios

CRA Branch Listing

ESB Branch Locations and Hours

Assessment Area Maps

Lyon County Map

Manhattan MSA Map


ESB Branches

Public Comments and Responses


HMDA Disclosures

Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information visit the Consumer Financial Protection Bureau’s Web site (


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