Empire State Bank
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Data as of · sourced from FFIEC call reports. How we update
Empire State Bank is an FDIC-insured commercial bank headquartered in Staten Island, NY, established in 2004 (FDIC certificate 57672), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $617.8M, down 4.2% from Q2 2025, the 66th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 15.07% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 57672
- Headquarters
- Staten Island, NY
- Established
- 2004
- Total assets, Q2 2026
- $617.8M
- Assets vs Q2 2025
- -4.2%
- CET1 ratio, Q2 2026
- 15.07%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 021913862
- Latest call report
- Q2 2026, FFIEC 051 · Empire State Bank call report
- Holding company
- ES BANCSHARES, INC.
- Asset rank in state
- 66th of 105 in New York
Empire State Bank leans heavily on commercial real estate. The Staten Island, New York bank had $618 million in assets at June 30, 2026, down 4.2% from a year earlier. It holds commercial real estate loans worth 3.1 times its capital, 2.6 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 4.7% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.91% of loans, down from 1.09% a year earlier. Its $160 million non-owner-occupied commercial real estate book is improving, with 3.09% past due or on nonaccrual, down from 3.77% a year earlier. Its margin is thin by comparison: it keeps 3.29 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Empire State Bank reported a CET1 capital ratio of 15.07%, a return on assets of 0.74%, a nonperforming-loan ratio of 0.91% and a Texas ratio of 7.15%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Empire State Bank is the 66th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 4.1% to $617.8M, loans fell 1.5% and deposits fell 4.1%. 1-4 family residential loans made up 46.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 30.1%. The FDIC Summary of Deposits lists 6 offices for it, in Staten Island, NY and Brooklyn, NY; its Staten Island 4 offices book 58% of its branch deposits. Judged on its Q2 2026 call report, Empire State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1441 South Ave, Staten Island, NY 10314
- County
- Richmond
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 28, 2004
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 59
- Domestic deposits
- $511.6M
- Allowance for credit losses
- $5.1M
- Net charge-offs (YTD)
- -$43K
- Average total assets
- $618.0M
- Average total loans
- $533.8M
- Average interest-bearing deposits
- $398.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 28, 2004
- FDIC Cert
- 57672
- Fed RSSD
- 3277241
- SEC CIK
- 1358254 → filed by ES BANCSHARES, INC.
- Website
- http://www.esbna.com →
- Parent Holding Company
- ES BANCSHARES, INC. (RSSD 3439610)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Empire State Bank's total assets ran between $616.8M (Q4 2025) and $651.8M (Q2 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$617.8M total assets against $645.2M; $555.1M total liabilities against $584.1M.
$526.2M net loans and leases against $552.3M; $511.6M total deposits against $535.8M.
$9.8M securities against $22.3M; $59.2M cash and balances due against $46.8M.
$8.0M total interest income against $7.8M; $3.0M total interest expense against $3.6M.
$4.9M net interest income against $4.2M.
$318K total noninterest income against $1.1M; $3.9M total noninterest expense against $3.8M.
-$52K provision for credit losses against $43K.
$1.1M net income against $1.2M.
0.74% return on assets against 0.79%; 3.29% net interest margin against 2.78%.
15.07% CET1 capital ratio against 14.35%; 10.13% tier 1 leverage ratio against 9.78%.
Inside the full Empire State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Empire State Bank rankings
Its closest position to the top of a national ranking is 931 of 3,640, for Texas Ratio; its furthest is 2,974 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.37% (Q3 2024) to 0.86% (Q1 2026) and its net interest margin ran from 2.43% (Q3 2024) to 3.29% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.07% | 0.74% | 0.91% | 7.15% | 3.29% |
| Q1 2026 | 15.10% | 0.86% | 0.90% | 7.14% | 3.25% |
| Q4 2025 | 14.89% | 0.58% | 1.05% | 8.56% | 2.95% |
| Q3 2025 | 14.51% | 0.53% | 1.07% | 8.74% | 2.92% |
| Q2 2025 | 14.35% | 0.79% | 1.12% | 9.27% | 2.78% |
| Q1 2025 | 13.81% | 0.47% | 0.95% | 8.16% | 2.81% |
| Q4 2024 | 13.69% | 0.41% | 0.96% | 8.23% | 2.63% |
| Q3 2024 | 13.67% | 0.37% | 0.93% | 8.05% | 2.43% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Brooklyn Branch | Brooklyn , NY | 11209 | $167.3M |
| Hylan Boulevard Banking Center Branch | Staten Island , NY | 10306 | $161.8M |
| Victory Blvd. Banking Center | Staten Island , NY | 10314 | $90.9M |
| 18th Avenue Banking Center | Brooklyn , NY | 11204 | $46.1M |
| Corporate Commons Three Banking Center Branch | Staten Island , NY | 10314 | $45.5M |
| Empire State Bank (main office) | Staten Island , NY | 10314 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 100 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $8.0M approved, $4.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Empire State Bank
What are Empire State Bank's total assets?
As of the Q2 2026 filing, Empire State Bank reported total assets of $617.8 million in its FFIEC call report.
Where is Empire State Bank headquartered?
It is headquartered in Staten Island, NY, United States.
When was Empire State Bank founded?
It was established in 2004, per the FDIC institution directory.
Is Empire State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57672). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Empire State Bank?
Empire State Bank's primary federal regulator is the Federal Reserve.
What is Empire State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.07% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Empire State Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Empire State Bank's Texas Ratio?
Its Texas Ratio is 7.15% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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