Empire State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 2.73 percentage points in Q2 2026, from 101.13% to 103.86%. It was the largest change from Q1 2026 among the key lines here. Within New York, Empire State Bank is 12th of 105 on loan-to-deposit ratio, 103.86% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Empire State Bank sits 23.31 points higher, at 103.86% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $531.4M |
| Net loans and leases | $526.2M |
| Loans held for sale | $0 |
| Loans to total assets | 86.01% |
| Loan-to-deposit ratio | 103.86% |
| Net loans to equity capital | 8.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.51% |
| Multifamily (5+ residential) | 9.74% |
| Commercial and industrial | 2.38% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 313.86% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.53% |
| Interest income on loans | $7.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $562.9M | $476.4M | 38.22% | 2.41% | 0.00% |
| Q4 2023 | $569.0M | $498.1M | 37.94% | 2.16% | 0.00% |
| Q1 2024 | $565.5M | $503.0M | 38.29% | 2.04% | 0.00% |
| Q2 2024 | $565.2M | $526.3M | 38.23% | 2.19% | 0.00% |
| Q3 2024 | $565.1M | $514.0M | 37.37% | 2.54% | 0.00% |
| Q4 2024 | $564.5M | $517.5M | 37.81% | 2.49% | 0.00% |
| Q1 2025 | $566.5M | $501.9M | 37.59% | 3.39% | 0.00% |
| Q2 2025 | $557.5M | $535.8M | 38.18% | 3.13% | 0.00% |
| Q3 2025 | $558.1M | $511.5M | 38.66% | 3.24% | 0.00% |
| Q4 2025 | $549.7M | $506.7M | 39.36% | 3.22% | 0.00% |
| Q1 2026 | $539.4M | $533.4M | 40.20% | 2.31% | 0.00% |
| Q2 2026 | $531.4M | $511.6M | 41.51% | 2.38% | 0.00% |
Empire State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Empire State Bank, freeSource: Call Report Schedule RC-C, 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)