EMPIRE STATE BANK

STATEN ISLAND, NY | Medium | Est. June 28, 2004, midnight | FDIC #57672 | RSSD #3277241 | FED
Latest Report: 2025-12-31

EMPIRE STATE BANK is amn medium FDIC-insured commercial bank headquartered in STATEN ISLAND, NY, established in June 28, 2004, midnight. As of 2025-12-31, the bank reported total assets of $617M and total deposits of $507M. Profitability stands at 0.59% ROA and 5.86% ROE, with a net interest margin of 3.17%. The bank's CET1 capital ratio is 14.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.05% and a Texas Ratio of 8.48%. FDIC Certificate #57672.

Assets

$617M

Deposits

$507M

Loans

$550M

Equity

$63M

Profitability

Return on Assets (ROA) 0.59%
Return on Equity (ROE) 5.86%
Net Interest Margin (NIM) 3.17%
Yield on Assets 5.59%
Cost of Funds 2.49%

Asset Quality

NPL Ratio 1.05%
Net Charge-Off Ratio 0.00%
Texas Ratio 8.48%
NPA Ratio 0.94%
ACL / Loans 0.94%

Capital & Liquidity

CET1 Ratio 14.89%
Tier 1 Capital 14.89%
Total Capital Ratio 16.14%
Leverage Ratio 10.00%
Loan-to-Deposit 108.50%

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