Total Assets
$617.8M
Total Deposits
$511.6M
Branches
7
Established
2004
Empire State Bank is a bank headquartered in Staten Island, New York, established in 2004. It holds $617.8M in total assets across 7 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Empire State Bank earns a TFS Financial Health Grade of C (65.8/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
65.8 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS September 26, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Empire State BankHQ | 1441 South Ave | Staten Island | NY | 21 |
| Empire State Bank | 8701 3rd Ave | Brooklyn | NY | 11 |
| Empire State Bank | 6923 18th Ave | Brooklyn | NY | 11 |
| Empire State Bank | 356 Meadow Ave | Newburgh | NY | 27 |
| Empire State Bank | 1698 Victory Blvd | Staten Island | NY | 11 |
| Empire State Bank | 1441 South Ave Ste 101 | Staten Island | NY | 11 |
| Empire State Bank | 2212 Hylan Blvd | Staten Island | NY | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC and OCC enforcement records; NCUA catalog monitored. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
65.8
Tier 1 capital ratio
10.13%
Return on assets
0.80%
Non-performing loans
0.91%
Efficiency ratio
74.62%
Asset growth (YoY)
-4.24%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.