Empire State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to total assets rose 0.33 percentage points from Q1 2026 to Q2 2026, ending at 10.15% against 9.82%. It was the largest change among the key lines on this page. Empire State Bank ranks 42nd of 82 New York banks on CET1 ratio, in the lower half at 15.07% (Q2 2026). At 15.07%, Empire State Bank's CET1 ratio is close to the 15.08% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.07% |
| Tier 1 risk-based capital ratio | 15.07% |
| Total risk-based capital ratio | 16.32% |
| Tier 1 leverage ratio | 10.13% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $62.6M |
| Tier 1 capital | $62.6M |
| Total risk-based capital | $67.8M |
| Total equity capital | $62.7M |
| Risk-weighted assets | $415.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.15% |
| Tangible equity to tangible assets | 10.07% |
| Equity capital to average assets | 10.15% |
| Internal capital growth rate | -3.48% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8.6M |
| Common stock surplus | $35.8M |
| Retained earnings | $18.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$235K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.47% | 13.47% | 14.72% | 9.54% | $435.0M |
| Q4 2023 | 13.61% | 13.61% | 14.86% | 9.45% | $432.8M |
| Q1 2024 | 13.63% | 13.63% | 14.88% | 9.52% | $433.1M |
| Q2 2024 | 13.81% | 13.81% | 15.06% | 9.30% | $430.7M |
| Q3 2024 | 13.67% | 13.67% | 14.92% | 9.18% | $428.9M |
| Q4 2024 | 13.69% | 13.69% | 14.94% | 9.32% | $433.6M |
| Q1 2025 | 13.81% | 13.81% | 15.06% | 9.46% | $432.0M |
| Q2 2025 | 14.35% | 14.35% | 15.60% | 9.78% | $424.7M |
| Q3 2025 | 14.51% | 14.51% | 15.76% | 9.91% | $426.0M |
| Q4 2025 | 14.89% | 14.89% | 16.14% | 10.00% | $421.5M |
| Q1 2026 | 15.10% | 15.10% | 16.35% | 10.01% | $417.7M |
| Q2 2026 | 15.07% | 15.07% | 16.32% | 10.13% | $415.3M |
Empire State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Empire State Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Empire State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57672) · FFIEC NIC profile (RSSD 3277241)