Bank call report · Staten Island, NY
Empire State Bank Call Report
BankRegReports is independent of Empire State Bank and never asks for online banking logins or passwords.
Empire State Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 309 reported line items, schedule by schedule (743 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 3277241 |
| FDIC certificate number | 57672 |
| Total assets | $617.8M |
Official Q2 2026 call report PDF (FFIEC) →
Empire State Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (26 items)
About Schedule RC · Empire State Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $617.8M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $617.8M |
| Total Liabilities and Minority Interest | RCON2948 | $555.1M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $531.4M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $526.2M |
| Total Deposits | RCON2200 | $511.6M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $397.3M |
| Deposits: Noninterest-bearing | RCON6631 | $114.4M |
| Total Equity Capital | RCON3210 | $62.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $62.7M |
| Interest-bearing Balances | RCON0071 | $54.4M |
| Other Borrowed Money | RCON3190 | $40.8M |
| Surplus | RCON3839 | $35.8M |
| Undivided Profits and Capital Reserves | RCON3632 | $18.5M |
| Other Assets | RCON2160 | $13.6M |
| Common Stock | RCON3230 | $8.6M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $8.4M |
| Held-to-maturity Securities, Total | RCON1754 | $7.2M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $7.1M |
| Allowance for Loan and Lease Losses | RCON3123 | $5.1M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $4.8M |
| Other Liabilities, Total | RCON2930 | $2.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $2.6M |
| Intangible Assets | RCON2143 | $691K |
| Goodwill | RCON3163 | $581K |
| Accumulated Other Comprehensive Income | RCONB530 | -$235K |
Schedule RI: Income Statement (33 items)
About Schedule RI · Empire State Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $16.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $14.9M |
| Net Interest Income | RIAD4074 | $9.9M |
| Total Noninterest Expense | RIAD4093 | $7.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $7.3M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $7.1M |
| Total Interest Expense | RIAD4073 | $6.2M |
| Salaries and Employee Benefits | RIAD4135 | $4.0M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.8M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $2.8M |
| Other Noninterest Expense | RIAD4092 | $2.6M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $2.6M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $2.5M |
| Net Income (Loss) | RIAD4340 | $2.5M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $2.5M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.7M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $935K |
| Other Interest Expense | RIADGW44 | $897K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $797K |
| Total Noninterest Income | RIAD4079 | $666K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $487K |
| Other Noninterest Income | RIADB497 | $397K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $269K |
| Applicable Income Taxes | RIAD4302 | $251K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $175K |
| Other Interest Income | RIAD4518 | $131K |
| Interest on Other Securities | RIAD4060 | $115K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$73K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $71K |
| Provision for Loan and Lease Losses | RIAD4230 | -$45K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $39K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 59 |
Schedule RC-B: Securities (18 items)
About Schedule RC-B · Empire State Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $1.8M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $1.6M |
| Amortized Cost of Other Held-to-maturity Domestic Debt Securities | RCON1737 | $7.2M |
| Fair Value of Other Held-to-maturity Domestic Debt Securities | RCON1738 | $6.9M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $6.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $5.2M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $2.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $1.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $1.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $1.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $988K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $500K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $358K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $311K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $215K |
| Pledged Securities | RCON0416 | $212K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $104K |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $6K |
Schedule RC-C, Part I: Loans and Leases (28 items)
About Schedule RC-C, Part I · Empire State Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $531.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $245.7M |
| Pledged Loans and Leases | RCONG378 | $204.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $192.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $160.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $100.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $92.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $83.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $60.7M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $60.5M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $51.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $46.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $31.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $27.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $23.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $22.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $22.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $14.8M |
| Commercial and Industrial Loans | RCON1766 | $12.6M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $2.7M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $917K |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $668K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $323K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $323K |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $211K |
| Other Loans | RCONJ464 | $118K |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $89K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $13K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $117.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $4.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $2.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $1.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $1.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $114K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 267 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 35 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 18 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 16 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 12 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 3 |
Schedule RC-E: Deposit Liabilities (32 items)
About Schedule RC-E · Empire State Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $359.0M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $333.3M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $214.5M |
| Total Transaction Accounts | RCON2215 | $152.6M |
| Total Demand Deposits (See Note Below) | RCON2210 | $151.1M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $150.6M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $89.2M |
| Total reciprocal deposits | RCONJH83 | $76.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $55.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $51.2M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $48.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $47.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $42.2M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $36.0M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $34.9M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $34.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $26.9M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $23.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $21.7M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $10.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $10.0M |
| Total Brokered Deposits | RCON2365 | $10.0M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $8.8M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $5.5M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $2.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $2.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $2.2M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $1.4M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $1.2M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $742K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $423K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $264K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $5.7M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $3.7M |
| Accrued Interest Receivable | RCONB556 | $2.6M |
| Other Assets | RCON2168 | $886K |
| Net Deferred Tax Assets | RCON2148 | $717K |
| Prepaid Expenses | RCON2166 | $538K |
| Accounts Receivable | RCONFT34 | $214K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $1.3M |
| All Other Liabilities | RCON2938 | $975K |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $805K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $233K |
| Accounts Payable | RCON3066 | $170K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $91K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Empire State Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $618.0M |
| Quarterly Average of Total Loans | RCON3360 | $533.8M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $270.6M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $250.5M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $214.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $96.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $50.9M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $45.9M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $43.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $36.4M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $12.4M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $7.9M |
| All Other Securities | RCONB560 | $7.3M |
| Mortgage-backed Securities | RCONB559 | $2.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $9K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (4 items)
About Schedule RC-L · Empire State Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $7.6M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $2.9M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $2.2M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $478K |
Schedule RC-M: Memoranda (11 items)
About Schedule RC-M · Empire State Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $25.9M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $10.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $10.0M |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $4.9M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF063 | $3.2M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $2.3M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF061 | $1.1M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Three Year Through Five Years. | RCONF062 | $530K |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $110K |
| Mortgage Servicing Assets | RCON3164 | $110K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 3 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (10 items)
About Schedule RC-N · Empire State Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $4.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $3.0M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $2.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $1.9M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.3M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $449K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $446K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $118K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $74K |
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $64K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Empire State Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $618.0M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $511.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $301.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $201.5M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $63.3M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $7.0M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.9M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 7,178 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 370 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 165 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 5 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Empire State Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Empire State Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $618.0M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $617.9M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $415.3M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $67.8M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $62.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $62.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $62.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $62.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $44.4M |
| Retained Earnings | RCOAKW00 | $18.5M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $5.2M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $5.2M |
| Tier 2 Capital Before Deductions | RCOAP870 | $5.2M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $401K |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $401K |
| Less:other Deductions from Assets for Leverage Capital Purposes | RCOAB596 | -$297K |
| Accumulated Other Comprehensive Income | RCOAB530 | -$235K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$235K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1632 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1507 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1507 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1013 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0832 |
Schedule RC-R, Part II: Risk-Weighted Assets (51 items)
About Schedule RC-R, Part II · Empire State Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $415.5M |
| Total Risk-weighted Assets | RCONG641 | $415.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $296.0M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $292.7M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $273.1M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $273.1M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $260.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $260.5M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $260.5M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $253.4M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $235.0M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $148.0M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $59.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $58.6M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $58.6M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $55.3M |
| Total All Other Assets | RCOND981 | $22.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCONS461 | $18.4M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $17.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $7.3M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $7.2M |
| Held-to-maturity Securities - 100 Pct Risk Weight Category | RCOND965 | $7.1M |
| Total Held-to-maturity Securities | RCOND961 | $7.1M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $6.5M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $5.3M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$4.9M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $4.8M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $3.8M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $3.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $3.5M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $3.5M |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $3.2M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $3.2M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $2.6M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $2.3M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $1.9M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $1.5M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $1.4M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $1.3M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $1.2M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $951K |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $581K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $508K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$297K |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $278K |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $111K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $111K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $111K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 20% | RCONS528 | $102K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $102K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $57K |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $63.0M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $63.0M |
| Total Equity Capital | RIAD3210 | $62.7M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $2.8M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $85K |
| Other Comprehensive Income | RIADB511 | -$26K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (4 items)
About Schedule RI-B, Part I · Empire State Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $44K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $44K |
| Charge-offs on All Other Loans | RIAD4644 | $1K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (7 items)
About Schedule RI-B, Part II · Empire State Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $5.1M |
| Allowance for Loan and Lease Losses | RIAD3123 | $5.1M |
| Balance most recently reported for end of previous calendar year, Report of Condition and Income Held-to-maturity debt securities (i.e., after adjustments from amended Reports of Income) | RIADJH88 | $208K |
| Balance end of current period, Held-to-maturity debt securities | RIADJH93 | $177K |
| Provisions for credit losses, Held-to-maturity debt securities | RIADJH90 | -$31K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $3K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $1K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $27.7M |
Empire State Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Empire State Bank call report?
The Empire State Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Empire State Bank file?
Empire State Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Empire State Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Empire State Bank has Federal Reserve RSSD ID 3277241 and FDIC certificate number 57672. Either one finds its filings on the FFIEC Central Data Repository.
How often does Empire State Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Empire State Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 57672) · FFIEC NIC profile (RSSD 3277241)