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Empire State Bank
Staten Island, NY · FDIC Certificate #57672 · Chartered 06/2
Total assets
$617.79M
Total deposits
$511.62M
Total equity
$62.73M
Net loans
$526.24M
Branches (offices)
6
Net income (YTD)
$2.51M
Rank: #1,527 of 4,213 U.S. banks by assets · #72 of 115 in New York. Assets changed -4.2% and deposits -4.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.80% |
| Return on equity | 7.97% |
| Net interest margin (YTD) | 3.31% |
| Equity to assets | 10.15% |
| Tier 1 leverage ratio | 10.13% |
| Uninsured deposits (share of deposits) | 21.4% |
| Noncurrent loans (share of loans) | 0.91% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 102.9% |
| Real estate loans (share of loans) | 98.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $518.62M | 98.6% | |
| Commercial & industrial | $12.63M | 2.4% | |
| Consumer / individual | $13.00K | 0.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $504.52M | $403.06M | $3.98M | $54.49M |
| Jun 2023 | $628.10M | $509.15M | $1.60M | $58.26M |
| Jun 2024 | $651.83M | $526.27M | $490.00K | $59.61M |
| Jun 2025 | $645.16M | $535.82M | $1.97M | $61.09M |
| Jun 2026 | $617.79M | $511.62M | $2.51M | $62.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $511.62M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $511.62M.
Similar-sized banks
Farmers Trust And Savings Bank ($617.97M) · The Bank ($617.26M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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