Empire State Bank

Staten Island, New York, Richmond County

$618M in total assets, the 1,556th largest of 4,309 US banks and 79th of 126 headquartered in New York.

At a glance

Compared with 50 banks headquartered in New York with $100 million to $1 billion in assets, as of June 30, 2026.

Measure	This bank	Percentile	Peer median
Total assets	$618M	74%	$379M
Loans	$531M	88%	$249M
Deposits	$512M	78%	$264M
Return on assets	0.68%	48%	0.72%
Net interest margin	3.31%	23%	3.89%
Efficiency ratio	74.6%	54%	74.2%
Equity to assets	10.15%	29%	12.89%
Loans to deposits	104%	82%	88%

Total assets grew 3.6% a year over the last 5 years and 10.5% a year over 10 years, without acquisitions.

6 branches in 2 counties.

County	Deposits	Market share	Rank
Richmond County, NY	$298M	1.5%	11 of 16
Kings County, NY	$213M	0.3%	23 of 41

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Net gain of 2 branches since 2016 (4 to 6, +50.0%). 3 opened, 0 acquired, 1 closed or sold.

Period	What happened	Opened or acquired	Closed or sold	Net change	Branches at end
Start of 2016	Starting point				4
2017	Sold 1 branch to Salisbury Bank and Trust Company	0	1	−1	3
2018	Opened Brooklyn and Staten Island	2	0	+2	5
2021	Opened Staten Island	1	0	+1	6

Type	This bank	Peers
1-4 family residential	46%	46%
Commercial real estate	42%	25%
Multifamily	10%	12%
Business (C&I)	2%	9%
Consumer	0%	3%
Construction and land	0%	3%

Type	This bank	Peers
Other interest-bearing	50%	47%
Time deposits	28%	31%
Noninterest-bearing	22%	22%

Brokered deposits are 2.0% of deposits (peers 3.3%).

Trailing four quarters, with the peer median.

Noncurrent loans exclude government-guaranteed portions.

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/empire