US Bank Directory
Banks in Emporia, KS
5 FDIC-insured banks operate 9 offices in Emporia, Kansas, and 2 credit unions have 3 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Emporia
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 7 banks and credit unions operate 12 locations in Emporia, according to the FDIC and the NCUA. 12 of them have coordinates on record and are on the map. 3 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
12 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Emporia
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: ESB Financial has the most locations in Emporia, with 3. It is followed by Community National Bank & Trust (2), The Lyon County State Bank (2). 2 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
ESB Financial Bank · 3
ESB Financial has 3 branches in Emporia, 4 across Kansas and 4 nationwide. FDIC records list its main office in Emporia, KS and show it operating since 1901. With $381.3 million in total assets on June 30, 2026, it ranks No. 2,154 of 4,232 U.S. banks by total assets. Its main office at 801 Merchant St dates to 1901 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office801 Merchant St, 66801
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Industrial Plaza Branch12th And Industrial Roads, 66801
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Motor Facility Branch801 Merchant St, 66801
Community National Bank & Trust Bank · 2
Community National Bank & Trust has 2 branches in Emporia, 34 across Kansas and 44 nationwide. FDIC records list its main office in Chanute, KS and show it operating since 1987. With $2.53 billion in total assets on June 30, 2026, it ranks No. 501 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Emporia location is the Emporia Branch at 1440 Industrial Rd, dating to 1997; the newest, at 701 Merchant St, to 2002. It does not publish hours in the sources this page uses; check its site before you go.
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Emporia Branch1440 Industrial Rd, 66801
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Emporia Downtown Branch701 Merchant St, 66801
Emporia State Credit Union Credit union · 2
Emporia State Credit Union has 2 officees in Emporia, 2 across Kansas. It is based in Emporia, KS and $142.8 million in assets on March 31, 2026, according to its NCUA call report. All 2 of its Emporia locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office310 W 12Th Ave, 66801
All hours
Mon to Fri 8:30 am to 5:30 pm; Sat 8:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
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Branch - 2332 Industrial2332 Industrial Rd, 66801
All hours
Mon to Fri 8:30 am to 5:30 pm; Sat 8:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
The Lyon County State Bank Bank · 2
The Lyon County State Bank has 2 branches in Emporia, 2 across Kansas and 2 nationwide. FDIC records list its main office in Emporia, KS and show it operating since 1913. With $212.5 million in total assets on June 30, 2026, it ranks No. 2,915 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Emporia location is its main office at 902 Merchant St, dating to 1913; the newest, at 1202 Industrial Rd, to 1979. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office902 Merchant St, 66801
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Suburban Branch1202 Industrial Rd, 66801
Capitol Federal Savings Bank Bank · 1
Capitol Federal Savings Bank has 1 branch in Emporia, 42 across Kansas and 46 nationwide. FDIC records list its main office in Topeka, KS and show it operating since 1893. With $9.68 billion in total assets on June 30, 2026, it ranks No. 165 of 4,232 U.S. banks by total assets. The Emporia Branch at 602 Commercial St dates to 1893 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Emporia Branch602 Commercial St, 66801
Credit Union of Emporia Credit union · 1
Credit Union of Emporia has 1 office in Emporia, 1 across Kansas. It is based in Emporia, KS and $41.5 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Main Office main office2711 W 15Th Ave, 66801
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
The Citizens State Bank Bank · 1
The Citizens State Bank has 1 branch in Emporia, 10 across Kansas and 10 nationwide. FDIC records list its main office in Gridley, KS and show it operating since 1911. With $336.2 million in total assets on June 30, 2026, it ranks No. 2,320 of 4,232 U.S. banks by total assets. The Emporia Branch at 1448 Industrial Rd dates to 2009 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Emporia Branch1448 Industrial Rd, 66801
Join a credit union in Emporia
2 credit unions have 3 offices here: Emporia State Credit Union and Credit Union of Emporia. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Emporia page has every office in the state's directory.
Banking in Emporia: the local picture
Short answer: 5 banks run 9 branches in Emporia according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 5 banks, 2 have their main office in Emporia, 3 elsewhere in Kansas, according to the FDIC.
The bank with the longest record here is Capitol Federal Savings Bank, operating since 1893 according to the FDIC. In FDIC branch records, the longest-running branch is Capitol Federal Savings Bank's office at 602 Commercial St, dating to 1893; the newest is The Citizens State Bank's at 1448 Industrial Rd, from 2009.
2 credit unions have 3 offices in Emporia, according to the NCUA. Who can join each one is on the credit unions page.
Of the 3 locations with published hours. 2 open on Saturday. 9 locations have no published hours in these sources.
Credit unions open on Saturday in Emporia
Short answer: 2 of the 3 Emporia locations with published hours open on Saturday, run by 1 institution.
- Emporia State Credit Union: 2 of 2 offices (310 W 12Th Ave: Saturday 8:30 am to 12 pm, and 1 more)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 9 of the 12 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Emporia, and where the nearest one is if they do not.
Short answer: No branches in Emporia: Chase (nearest in Manhattan, 57 mi), Wells Fargo (nearest in Wichita, 76 mi), Bank of America (nearest in Lawrence, 62 mi), PNC Bank (nearest in Overland Park, 88 mi), U.S. Bank (nearest in Topeka, 49 mi), Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO (nearest in Ottawa, 52 mi).
| Bank | In Emporia | Nearest branch if none here |
|---|---|---|
| Chase | None | Manhattan, 57 miles away |
| Wells Fargo | None | Wichita, 76 miles away |
| Bank of America | None | Lawrence, 62 miles away |
| PNC Bank | None | Overland Park, 88 miles away |
| U.S. Bank | None | Topeka, 49 miles away |
| Truist | None | none in Kansas |
| Fifth Third Bank | None | none in Kansas |
| Huntington | None | none in Kansas |
| Regions Bank | None | none in Kansas |
| TD Bank | None | none in Kansas |
| BMO | None | Ottawa, 52 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Emporia to the nearest branch in Kansas.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Emporia residents like anyone else.
Banks near Emporia
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Cottonwood Falls (19 miles) and Council Grove (23 miles). Burlington, 29 miles away, has the most banks nearby: 4.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Cottonwood Falls, KS | 19 mi | 2 | 2 |
| Banks in Council Grove, KS | 23 mi | 3 | 4 |
| Banks in Osage City, KS | 25 mi | 3 | 3 |
| Banks in Burlington, KS | 29 mi | 4 | 4 |
| Banks in Lyndon, KS | 31 mi | 2 | 2 |
| Banks in Eureka, KS | 41 mi | 3 | 4 |
| Banks in Alma, KS | 42 mi | 2 | 2 |
| Banks in Overbrook, KS | 43 mi | 2 | 2 |
Bank branch openings and closings in Emporia
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Emporia between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Emporia
Short answer: 4 institutions have their main office in Emporia: ESB Financial, The Lyon County State Bank, Emporia State Credit Union and Credit Union of Emporia.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| ESB Financial | Bank | $381.3 million | 3 |
| The Lyon County State Bank | Bank | $212.5 million | 2 |
| Emporia State Credit Union | Credit union | $142.8 million | 2 |
| Credit Union of Emporia | Credit union | $41.5 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Emporia by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Emporia offices.
Short answer: Capitol Federal Savings Bank is the largest bank with offices in Emporia, with $9.68 billion in total assets on June 30, 2026, No. 165 among U.S. banks by total assets. Community National Bank & Trust is second with $2.53 billion. 2 of the 5 banks are headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Capitol Federal Savings Bank | $9.68 billion | No. 165 | 1 | Topeka, KS |
| Community National Bank & Trust | $2.53 billion | No. 501 | 2 | Chanute, KS |
| ESB Financial | $381.3 million | No. 2,154 | 3 | Emporia, KS |
| The Citizens State Bank | $336.2 million | No. 2,320 | 1 | Gridley, KS |
| The Lyon County State Bank | $212.5 million | No. 2,915 | 2 | Emporia, KS |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Emporia: FAQ
How many banks are in Emporia, KS?
Emporia has 5 banks with 9 branches and 2 credit unions with 3 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Emporia?
ESB Financial, with 3. Community National Bank & Trust has 2 and The Lyon County State Bank has 2.
Is there a ESB Financial in Emporia, KS?
Yes. FDIC data lists 3 ESB Financial branches in Emporia as of September 5, 2026, the main office at 801 Merchant St. Its branches are listed under ESB Financial above, with the address and directions for each.
Is there a Community National Bank & Trust in Emporia, KS?
Yes. FDIC data lists 2 Community National Bank & Trust branches in Emporia as of September 5, 2026. Its branches are listed under Community National Bank & Trust above, with the address and directions for each.
Is there a The Lyon County State Bank in Emporia, KS?
Yes. FDIC data lists 2 The Lyon County State Bank branches in Emporia as of September 5, 2026, the main office at 902 Merchant St. Its branches are listed under The Lyon County State Bank above, with the address and directions for each.
Is there a Chase in Emporia, KS?
No. FDIC data lists no Chase branch in Emporia as of September 5, 2026. The nearest is in Manhattan, about 57 miles away in a straight line.
Which banks in Emporia are open on Saturday?
Emporia State Credit Union publishes Saturday hours for one or more Emporia locations. The Saturday section above lists each one with its hours. 9 of the 12 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Emporia?
ESB Financial, The Lyon County State Bank, Emporia State Credit Union and Credit Union of Emporia have their main office in Emporia, according to the FDIC and the NCUA.
What is the oldest bank in Emporia?
Capitol Federal Savings Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1893.
Which credit unions can I join in Emporia?
Emporia State Credit Union and Credit Union of Emporia have offices in Emporia. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Emporia in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Emporia?
Nearby cities with more banks include Cottonwood Falls, Council Grove, Osage City. Cottonwood Falls is 19 miles away with 2 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 3 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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