PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

5.02%Q2 ’245.03%Q2 ’255.17%Q2 ’26+18%+19%

Non-interest income vs. expense

2.19%Q2 ’242.42%Q2 ’252.50%Q2 ’26-15%+35%

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 0.73%, down 4 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.91% of loans (-21 bps YoY), with net recoveries of 0.03%.
  • 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 (quarter, annualized)

0.73%-4 bps YoY

Net Interest Margin (quarter, annualized)

3.20%+50 bps YoY

Efficiency Ratio (quarter, annualized)

73.34%+267 bps YoY

Tier 1 Leverage Ratio

10.13%+34 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.52%0.59%0.86%0.73%-4 bps
Return on Equity8.13%5.39%5.86%8.63%7.30%-82 bps
Net Interest Margin2.70%2.84%2.88%3.16%3.20%+50 bps
Efficiency Ratio70.67%78.50%76.32%75.88%73.34%+267 bps
Non-Interest Burden1.70%2.18%2.13%2.34%2.29%+60 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 / Loans-0.01%0.00%0.00%0.00%-0.03%-3 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