Empire State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Empire State Bank of Staten Island, NY against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.74% | 1.25% | -0.51% | 19th bottom |
| ROAE | 7.30% | 12.22% | -4.92% | 21st bottom |
| Net Interest Margin | 3.29% | 3.95% | -0.66% | 19th bottom |
| Efficiency Ratio | 73.34% | 63.71% | +9.63% | 21st bottom |
| PPNR / Avg Assets | 0.91% | — | — | 16th bottom |
| Yield on Earning Assets | 5.32% | 5.67% | -0.35% | 36th below |
| Cost of Funds | 2.20% | 1.87% | +0.33% | 26th below |
| Net Interest Spread | 2.62% | — | — | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.91% | 0.88% | +0.03% | 31st below |
| NPA / Total Assets | 0.78% | — | — | 27th below |
| NCO / Avg Loans | -0.03% | 0.15% | -0.18% | 93rd top |
| ACL / Total Loans | 0.97% | — | — | 22nd bottom |
| ACL / NPLs (Coverage) | 106.82% | — | — | 29th below |
| Texas Ratio | 7.15% | 5.96% | +1.19% | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.07% | 17.18% | -2.11% | 49th below |
| Tier 1 Ratio | 15.07% | 17.21% | -2.14% | 49th below |
| Total Capital Ratio | 16.32% | — | — | 51st above |
| Leverage Ratio | 10.13% | 11.75% | -1.62% | 34th below |
| Equity / Assets | 10.15% | 10.98% | -0.83% | 46th below |
| TCE / Tangible Assets | 10.07% | — | — | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.86% | 80.44% | +23.42% | 7th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.02% | 86.95% | +1.07% | 44th below |
| Wholesale Funding Ratio | 6.60% | — | — | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.24% | — | — | 5th bottom |
| Loan Growth (Y/Y) | -4.69% | — | — | 7th bottom |
| Deposit Growth (Y/Y) | -4.52% | — | — | 7th bottom |
See Empire State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Empire State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Empire State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Empire State Bank peer analysis.