Call reports 2025
ESB FINANCIAL — 2025
What ESB FINANCIAL reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 350,536,000 | 361,193,000 | 371,674,000 | 381,354,000 |
| Total loans | 222,695,000 | 237,230,000 | 247,325,000 | 255,177,000 |
| Allowance for loan losses | 2,440,000 | 2,444,000 | 2,559,000 | 2,548,000 |
| Securities available for sale | 52,027,000 | 54,232,000 | 55,422,000 | 58,945,000 |
| Securities held to maturity | 37,129,000 | 35,640,000 | 34,151,000 | 32,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,555,000 | 313,573,000 | 322,188,000 | 330,883,000 |
| Interest-bearing deposits | 233,525,000 | 239,488,000 | 244,567,000 | 255,583,000 |
| Noninterest-bearing deposits | 71,030,000 | 74,085,000 | 77,621,000 | 75,300,000 |
| Equity capital | 27,555,000 | 29,272,000 | 30,832,000 | 31,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,239,000 | 8,689,000 | 14,083,000 | 18,958,000 |
| Interest expense | 1,520,000 | 3,129,000 | 4,808,000 | 6,431,000 |
| Net interest income | 2,719,000 | 5,560,000 | 9,275,000 | 12,527,000 |
| Noninterest income | 776,000 | 1,684,000 | 2,465,000 | 3,237,000 |
| Noninterest expense | 2,383,000 | 4,741,000 | 7,901,000 | 11,382,000 |
| Provision for loan losses | -7,000 | 2,000 | 37,000 | 32,000 |
| Pretax income | 1,109,000 | 2,499,000 | 3,804,000 | 4,346,000 |
| Income tax | 32,000 | 83,000 | 154,000 | 199,000 |
| Net income | 1,077,000 | 2,416,000 | 3,650,000 | 4,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,115,000 | 33,255,000 | 34,291,000 | 34,327,000 |
| Total capital | 34,640,000 | 35,778,000 | 36,925,000 | 36,957,000 |
| Risk-weighted assets | 238,918,000 | 251,553,000 | 260,468,000 | 271,097,000 |