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Empire State Bank

Staten Island, NY · Cert 57672 · Es Bancshares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

37

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

68

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Empire State Bank

Staten Island, NY · Cert 57672 · Es Bancshares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$617.8MAssets
$531.4MLoans
$511.6MDeposits
$62.7MEquity
Loan mix
98%RE $526.8M2%C&I $12.5M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $397.3M22%Noninterest $114.4MQ2 2025Q2 2026

NIM

4.88%Q2 ’245.06%Q2 ’255.23%Q2 ’26+23%+18%

Non-interest income vs. expense

2.18%Q2 ’242.41%Q2 ’252.56%Q2 ’26-4%+21%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #95 of 151 inst. · $0.5B of $2921.1B

1.5% Richmond
0.3% Kings

Executive Summary

  • Earnings: ROA of 0.80%, up 19 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.91% of loans (-21 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 10.13%, up 34 bps from a year ago.
  • Funding: loans stand at 103.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.80%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.21%+48 bps YoY

Efficiency Ratio (YTD, annualized)

74.62%-54 bps YoY

Tier 1 Leverage Ratio

10.13%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.59%0.59%0.86%0.80%+19 bps
Return on Equity6.54%6.15%6.08%8.63%7.97%+143 bps
Net Interest Margin2.73%2.77%2.78%3.16%3.21%+48 bps
Efficiency Ratio75.16%76.24%76.26%75.88%74.62%-54 bps
Non-Interest Burden1.94%2.02%2.04%2.34%2.34%+41 bps
Growth
Asset Growth (YoY)-1.02%-1.92%-3.15%1.93%-4.24%-322 bps
Loan Growth (YoY)-1.36%-1.24%-2.61%-4.78%-4.69%-333 bps
Deposit Growth (YoY)1.81%-0.48%-2.09%6.27%-4.52%-633 bps
Asset Quality
Nonperforming Loans / Loans1.12%1.07%1.05%0.90%0.91%-21 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%-0.02%-1 bps
Allowance / Loans0.93%0.93%0.94%0.95%0.97%+4 bps
Allowance Coverage of NPLs0.8x0.9x0.9x1.1x1.1x+0.2x
Capital
Tier 1 Leverage Ratio9.78%9.91%10.00%10.01%10.13%+34 bps
Total Risk-Based Capital15.60%15.76%16.14%16.35%16.32%+72 bps
Equity / Assets9.47%9.98%10.21%9.82%10.15%+69 bps
Liquidity & Funding
Loans / Deposits104.05%109.11%108.50%101.13%103.86%-19 bps
Liquid Assets / Assets7.56%5.14%6.66%9.50%9.97%+241 bps
CRE / Total Capitaln/a438%431%429%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Empire State Bank

Staten Island, NY · Cert 57672 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31) · Es Bancshares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$617.8MAssets
$531.4MLoans
$511.6MDeposits
$62.7MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 81% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 6 of 31).
  • Widest gap: equity / assets trails 81% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 25 of 31).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.81%

Rank 9 of 31

Net Interest Margin

3.21%

Rank 17 of 31

Efficiency Ratio

74.62%

Rank 11 of 31

Equity / Assets

10.15%

Rank 25 of 31

Non-interest income vs. expense

$1.3M$15.8MINCOMEEXPENSE
Unfavorable gap of $14.5M · efficiency ratio beats 68% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 74.62%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.81%-0.02%0.39%0.84%Beats 71%9 / 31
Return on Equity8.01%-0.19%2.57%5.72%Beats 81%6 / 31
Net Interest Margin3.21%2.51%3.30%3.85%Beats 45%17 / 31
Efficiency Ratio74.62%68.41%83.66%91.76%Beats 68%11 / 31
Asset Quality
Nonperforming Loans / Loans0.91%0.18%0.47%2.65%Beats 33%21 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 40%19 / 30
Capital
Tier 1 Capital Ratio15.07%13.24%15.54%26.77%Beats 45%17 / 31
Total Risk-Based Capital Ratio16.32%14.07%16.32%26.77%Beats 48%16 / 31
Equity / Assets10.15%10.38%13.26%17.83%Beats 19%25 / 31
Liquidity & Funding
Loans / Deposits103.86%84.03%94.98%103.65%77th pctl7 / 31
Loans / Assets86.01%61.61%75.31%83.78%90th pctl3 / 31
Brokered Deposits / Depositsn/aNot reported for this institution