Empire State Bank is a state-chartered bank (fed member) headquartered in Staten Island, New York, in business for about 22 years. At the end of Q2 2026 it reported $617.8M in total assets and $511.6M in deposits, with 7 offices.
Empire State Bank has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 78th. Problem-loan coverage contributes the most (86/100, 7.1%); funding & liquidity contributes the least (50/100, 103% loans-to-deposits, 21% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (55 → 59), mostly because the loan quality component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 51 |
| Q4 2024 | 52 |
| Q1 2025 | 53 |
| Q2 2025 | 55 |
| Q3 2025 | 55 |
| Q4 2025 | 55 |
| Q1 2026 | 60 |
| Q2 2026 | 59 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.30% |
| Q3 2024 | 9.18% |
| Q4 2024 | 9.32% |
| Q1 2025 | 9.46% |
| Q2 2025 | 9.78% |
| Q3 2025 | 9.91% |
| Q4 2025 | 10.00% |
| Q1 2026 | 10.01% |
| Q2 2026 | 10.13% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.23% |
| Q3 2024 | 0.93% |
| Q4 2024 | 0.96% |
| Q1 2025 | 0.95% |
| Q2 2025 | 1.12% |
| Q3 2025 | 1.07% |
| Q4 2025 | 1.05% |
| Q1 2026 | 0.90% |
| Q2 2026 | 0.91% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.47% |
| Q2 2025 | 0.62% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.59% |
| Q1 2026 | 0.86% |
| Q2 2026 | 0.80% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $617.8M | 10.13% | 0.91% | 0.80% | 102.9% |
| Q1 2026 | 60 | $643.9M | 10.01% | 0.90% | 0.86% | 100.2% |
| Q4 2025 | 55 | $616.8M | 10.00% | 1.05% | 0.59% | 107.5% |
| Q3 2025 | 55 | $621.2M | 9.91% | 1.07% | 0.59% | 108.1% |
| Q2 2025 | 55 | $645.2M | 9.78% | 1.12% | 0.62% | 103.1% |
| Q1 2025 | 53 | $631.7M | 9.46% | 0.95% | 0.47% | 111.8% |
| Q4 2024 | 52 | $636.9M | 9.32% | 0.96% | 0.27% | 108.1% |
| Q3 2024 | 51 | $633.4M | 9.18% | 0.93% | 0.23% | 108.9% |
| Q2 2024 | 58 | $651.8M | 9.30% | 0.23% | 0.15% | 106.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| NewBankBank Flushing, NY | 58 out of 100, Moderate | $618.0M | 15.0% | 2.65% | vs |
| Tioga State Bank National AssociationBank Spencer, NY | 71 out of 100, Strong | $625.2M | 11.4% | 1.00% | vs |
| Spring BankBank Bronx, NY | 85 out of 100, Very strong | $641.0M | 14.6% | 0.60% | vs |
| Modern Bank, National AssociationBank New York, NY | 30 out of 100, Low | $648.5M | 9.6% | 5.60% | vs |
| Carver Federal Savings BankBank New York, NY | 23 out of 100, Low | $658.1M | 8.7% | 3.46% | vs |
| Geddes Federal Savings and Loan AssociationBank Syracuse, NY | 74 out of 100, Strong | $685.7M | 14.7% | 0.44% | vs |
Deposit insurance
Is my money safe at Empire State Bank?
Yes. Empire State Bank is an FDIC-insured institution (FDIC certificate #57672). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.4% of deposits ($109.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.13%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.32% (benchmark: 10%).
7 locations
Branches
Empire State Bank lists 5 offices in 2 cities. Most locations:
- Staten Island, NY (3)
- Brooklyn, NY (2)
Identity & history
Profile
- Legal name
- Empire State Bank
- Former names
- Empire State Bank, National Association
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 57672
- RSSD ID
- 3277241
- Primary regulator
- FED
- Holding company
- Es Bancshares Inc
- Established
- June 28, 2004
- Headquarters
- 1441 South Ave, Staten Island, NY 10314
- Website
- www.esbna.com
- Employees
- 59
Quick answers
Empire State Bank: common questions
Is Empire State Bank FDIC insured?
Yes. Empire State Bank is an FDIC-insured institution (FDIC certificate #57672). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Empire State Bank's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Empire State Bank ever failed?
There is no failure record for FDIC certificate #57672 in the FDIC failed bank list.
How many branches does Empire State Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Staten Island
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| Paul Quinn Federal Credit UnionCredit union Jamaica, NY | 93 out of 100, Very strong | $358K | 26.1% | 0.00% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| Local 1233 Federal Credit UnionCredit union Newark, NJ | 88 out of 100, Very strong | $14.1M | 17.9% | 0.27% | vs |