Empire State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 3.05 percentage points lower than in Q1 2026, at 1.59%. Empire State Bank ranks 71st of 105 New York banks on return on assets, in the lower half at 0.74% (Q2 2026). Empire State Bank reported 0.74% on return on assets for Q2 2026, 0.51 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.07% |
| Tier 1 risk-based capital ratio | 15.07% |
| Total risk-based capital ratio | 16.32% |
| Tier 1 leverage ratio | 10.13% |
| Equity capital to assets | 10.15% |
| Tangible equity to tangible assets | 10.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.91% |
| Non-performing assets ratio | 0.78% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 7.15% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 106.82% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.74% |
| Return on equity | 7.30% |
| Net interest margin | 3.29% |
| Efficiency ratio | 73.34% |
| Yield on earning assets | 5.32% |
| Cost of funds | 2.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.86% |
| Core deposits to total deposits | 88.02% |
| Brokered deposits to total deposits | 1.96% |
| Deposits to assets | 82.81% |
| Securities to assets | 1.59% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.47% | 13.47% | 14.72% | 9.54% | 0.20% |
| Q4 2023 | 13.61% | 13.61% | 14.86% | 9.45% | 0.16% |
| Q1 2024 | 13.63% | 13.63% | 14.88% | 9.52% | 0.07% |
| Q2 2024 | 13.81% | 13.81% | 15.06% | 9.30% | 0.24% |
| Q3 2024 | 13.67% | 13.67% | 14.92% | 9.18% | 0.37% |
| Q4 2024 | 13.69% | 13.69% | 14.94% | 9.32% | 0.41% |
| Q1 2025 | 13.81% | 13.81% | 15.06% | 9.46% | 0.47% |
| Q2 2025 | 14.35% | 14.35% | 15.60% | 9.78% | 0.79% |
| Q3 2025 | 14.51% | 14.51% | 15.76% | 9.91% | 0.53% |
| Q4 2025 | 14.89% | 14.89% | 16.14% | 10.00% | 0.58% |
| Q1 2026 | 15.10% | 15.10% | 16.35% | 10.01% | 0.86% |
| Q2 2026 | 15.07% | 15.07% | 16.32% | 10.13% | 0.74% |
Empire State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Empire State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)