🏦Bank Scorer

This institution is no longer active

Operations ceased on February 10, 2015. CRA examination history below reflects the period it was active.

ESB BANK

ELLWOOD CITY, PA · Supervised by FDIC

Est. 1915FDIC #27,708RSSD: FDIC-27708
Part ofESB FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: August 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.03%

Institution Profile

FDIC BankFind

Address

600 Lawrence Avenue, ELLWOOD CITY, PA

County

Lawrence County

Established

January 1, 1915

Total Assets

$1.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2012

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 13 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2014Call Report / FDIC

Total Assets

$1.9B

Total Deposits

$1.3B

Net Loans

$706M

Net Income

$19M

ROA

1.03%

ROE

8.74%

Risk-Based Capital

16.71%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2006

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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