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
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 | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | -0.02% | 0.39% | 0.84% | Beats 71% | 9 / 31 | |
| Return on Equity | 8.01% | -0.19% | 2.57% | 5.72% | Beats 81% | 6 / 31 | |
| Net Interest Margin | 3.21% | 2.51% | 3.30% | 3.85% | Beats 45% | 17 / 31 | |
| Efficiency Ratio | 74.62% | 68.41% | 83.66% | 91.76% | Beats 68% | 11 / 31 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.91% | 0.18% | 0.47% | 2.65% | Beats 33% | 21 / 30 | |
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.02% | Beats 40% | 19 / 30 | |
| Capital |
| Tier 1 Capital Ratio | 15.07% | 13.24% | 15.54% | 26.77% | Beats 45% | 17 / 31 | |
| Total Risk-Based Capital Ratio | 16.32% | 14.07% | 16.32% | 26.77% | Beats 48% | 16 / 31 | |
| Equity / Assets | 10.15% | 10.38% | 13.26% | 17.83% | Beats 19% | 25 / 31 | |
| Liquidity & Funding |
| Loans / Deposits | 103.86% | 84.03% | 94.98% | 103.65% | 77th pctl | 7 / 31 | |
| Loans / Assets | 86.01% | 61.61% | 75.31% | 83.78% | 90th pctl | 3 / 31 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |