Call reports 2025
ESB BANK — 2025
What ESB BANK 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 | 180,662,000 | 184,700,000 | 189,856,000 | 196,122,000 |
| Total loans | 149,526,000 | 155,654,000 | 161,338,000 | 158,466,000 |
| Allowance for loan losses | 1,556,000 | 1,604,000 | 1,652,000 | 1,698,000 |
| Securities available for sale | 10,751,000 | 9,607,000 | 8,676,000 | 9,533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,512,000 | 159,962,000 | 161,380,000 | 167,131,000 |
| Interest-bearing deposits | 141,741,000 | 145,644,000 | 148,090,000 | 152,672,000 |
| Noninterest-bearing deposits | 12,771,000 | 14,318,000 | 13,290,000 | 14,459,000 |
| Equity capital | 17,502,000 | 17,923,000 | 17,583,000 | 18,362,000 |
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 | 2,695,000 | 5,479,000 | 8,413,000 | 11,427,000 |
| Interest expense | 1,238,000 | 2,487,000 | 3,785,000 | 5,089,000 |
| Net interest income | 1,457,000 | 2,992,000 | 4,628,000 | 6,338,000 |
| Noninterest income | 240,000 | 427,000 | 635,000 | 862,000 |
| Noninterest expense | 935,000 | 1,839,000 | 2,740,000 | 3,705,000 |
| Provision for loan losses | 48,000 | 96,000 | 144,000 | 192,000 |
| Pretax income | 714,000 | 1,484,000 | 2,379,000 | 3,303,000 |
| Income tax | 68,000 | 133,000 | 197,000 | 342,000 |
| Net income | 646,000 | 1,351,000 | 2,182,000 | 2,961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,531,000 | 17,893,000 | 17,475,000 | 18,254,000 |