What is Empire State Bank's financial health grade?

Empire State Bank has a TFS Financial Health Grade of D (score: 64.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Empire State Bank have?

Empire State Bank has 7 branch locations across the United States.

Is Empire State Bank FDIC insured?

Yes, Empire State Bank is FDIC insured (Certificate #57672).

What are the total assets of Empire State Bank?

Empire State Bank has total assets of $616.8M as reported in its most recent FDIC filing.

Empire State Bank

BankStaten Island, New York

http://www.esbna.com

Total Assets

$616.8M

Total Deposits

$506.7M

Branches

Established

2004

TFS Health Grade

64.7 / 100

Below average financial health

How we grade

Empire State Bank is a bank headquartered in Staten Island, New York, established in 2004. With $616.8M in total assets and 7 branch locations, it has a TFS Financial Health Grade of D (64.7/100).

Capital & Safety

Tier 1 Capital Ratio

10.00%(8%)

Total Capital Ratio

16.14%(10%)

Non-Performing Loan Ratio

1.05%

Profitability

Return on Assets (ROA)

0.59%(1%)

Return on Equity (ROE)

6.08%(10%)

Net Interest Margin

2.90%

Efficiency Ratio

76.26%(60%)

Lending & Liquidity

Total Loans

$549.7M

Loan-to-Deposit Ratio

107.48%

Net Charge-Off Ratio

-0.00%

Growth

Asset Growth (YoY)

-3.15%

Deposit Growth (YoY)

-2.09%

Net Income

$3.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. 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.