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As ESB Financial prepares to celebrate its 125th birthday on March 11, the bank is taking a closer look at one of the most defining periods in its history — the 1910s into the early 1920s.

The decade between 1910 and 1920 was one of rapid growth and dramatic change, both locally and nationally. Emporia’s population grew from just over 9,000 residents in 1910 to more than 11,000 by 1920. Railroads continued to drive commerce, downtown businesses expanded, and the community steadily positioned itself as a regional hub in Kansas.

In the middle of that growth stood Emporia State Bank.

A Remodel That Marked Confidence

In 1913, the bank underwent a significant renovation — a $30,000 project at the time, which would equal more than $1 million today. The third floor of the building was removed, a new east-facing front was added, and the interior was redesigned with marble and mahogany finishes.

Newspapers of the day described the building as dignified and majestic, a structure the entire community could take pride in. The remodel wasn’t simply cosmetic; it was a reflection of stability and confidence in Emporia’s future. The building remained a visible symbol of permanence during a decade filled with uncertainty.

Banking Through Wartime

Just one year after the remodel was completed, World War I began in Europe. By 1917, the United States had entered the war.

Local newspapers were filled with draft notices, updates from the front lines, and Liberty Bond campaigns encouraging citizens to financially support the war effort. ESB played an active role in those efforts. One advertisement urged customers, “Don’t expect your neighbor to buy your Liberty Bond for you. Call Emporia State Bank.”

Banking during this time extended beyond deposits and loans — it became directly tied to civic duty and community support.

Everyday Life in the 1910s

Even during wartime, daily life continued.

In 1915, 16 pounds of sugar could be purchased for $1. A movie ticket cost between 5 and 15 cents. A home telephone line ran about $1.50 per month. But wages reflected those prices. Many laborers earned between $0.16 and $0.30 per hour and worked 60 to 70 hours per week.

Careful money management was essential. Saving, tracking expenses, and planning ahead were necessary habits, not luxuries.

Growth and Forward Thinking

Despite the challenges of the decade, ESB continued to grow. By 1920, the bank had reached $1.5 million in assets — a significant milestone at the time.

The bank expanded its safe deposit box offerings, providing customers a secure place to store valuables for $2 per year. It also helped organize the Emporia Building & Loan Association, giving families a structured way to save and build homes.

An advertisement from 1920 offered advice that still resonates today: customers were encouraged to pay their bills by check so they would have a record of their spending and to treat savings as “a debt to your future.”

At the same time, the country saw major cultural shifts — automobiles became more common, the influenza pandemic impacted communities nationwide, and in 1920, women gained the right to vote.

Through it all, ESB remained a steady presence on Commercial Street.

A Community Celebration

As ESB Financial marks 125 years of service in 2026, leaders say reflecting on decades like the 1910s highlights the bank’s long-standing commitment to the community.

To celebrate the milestone, ESB Financial will host a 125th Birthday Open House on Wednesday, March 11, from 4 to 7 p.m. at its Merchant Street Bank, 801 Merchant St.

The public is invited to enjoy appetizers from Smokin O’s BBQ, sweet treats, birthday cake, and explore a special history wall display that traces the bank’s journey from 1901 to today.

“We’re proud of the role ESB has played in Emporia’s story,” said Kandace Wakeman, AVP, Marketing. “This celebration is really about the community that has supported us for 125 years.”

The event is free and open to the public.

Historical content for this article was compiled using resources from the Lyon County Historical Society and ESB Financial.