Empire State Bank
Staten Island, NY
IDRSSD: 3277241
Total Assets
$621.22M
Latest filing
Total Deposits
$511.51M
Latest filing
Net Interest Margin
2.93%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Empire State Bank
1441 South Ave
Staten Island, NY 10314
Limited Service - Administrative
Updated 11/14/2025Established 06/28/2004FDIC Certificate 419378
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Empire State Bank (Main) | 1441 South Ave | Staten Island, NY |
| MESSENGER SERVICE BRANCH | 356 Meadow Ave | Newburgh, NY |
| HYLAN BOULEVARD BANKING CENTER BRANCH | 2212 Hylan Blvd | Staten Island, NY |
| BROOKLYN BRANCH | 8701 3rd Ave | Brooklyn, NY |
| VICTORY BLVD. BANKING CENTER | 1698 Victory Blvd | Staten Island, NY |
| 18TH AVENUE BANKING CENTER | 6923 18th Ave | Brooklyn, NY |
| CORPORATE COMMONS THREE BANKING CENTER BRANCH | 1441 South Ave Ste 101 | Staten Island, NY |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 06/28/2004 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 10314 |
| State and County Number | 36085 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | New York-Newark-Jersey City, NY-NJ-PA |
Operational Info
| Number of Employees | 62 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 05/14/2025 |
| Date of Deposit Insurance | 06/28/2004 |
| Primary Insurance Agency | DIF |
| Website | http://www.esbna.com |
| Data Updated | 11/14/2025 |
| CERT | 57672 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $621.22M |
| Total Deposits | $511.51M |
| Total Liabilities | $559.23M |
| Total Equity Capital | $61.99M |
| Net Income | $829.00k |
| Net Loans and Leases | $552.93M |
| Assets Per Employee ($Millions) | $10.71M |
| Bank Premises and Fixed Assets | $9.55M |
| Cash and Balances due from Depository Institutions | $28.34M |
| Deposits Held in Domestic Offices | $511.51M |
Key Performance Ratios
| Return on Assets (ROA) | 0.52% |
| Return on Equity (ROE) | 5.39% |
| Net Interest Margin | 2.93% |
| Efficiency Ratio | 78.5% |
| Tier 1 Risk-Based Capital Ratio | 14.511% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.979% |
| Earning Assets to total Assets | 95.56% |
Income and Expense
| Total Interest Income | $7.96M |
| Total Noninterest Income | $328.00k |
| Total Interest Expense | $3.53M |
| Total Noninterest Expense | $3.73M |
| Net Interest Income | $4.43M |
| Pre-tax Net Operating Income | $1.06M |
| Provision for Credit Losses | $-41,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $45.05M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.67M |
| Total Liabilities and Capital | $621.22M |
Securities
| Securities | $16.04M |
| Available-for-sale debt securities | $8.99M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $7.25M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Empire State Bank?
$621.22M as of the latest filing.
How much are Empire State Bank's total deposits?
$511.51M in total deposits.
Where is Empire State Bank located?
Staten Island, NY.
What is the Net Interest Margin?
2.93%.
How many domestic offices does it operate?
7.
When was it established?
06/28/2004.
What is the Return on Assets (ROA)?
0.52%.
How much are total loans and leases?
$552.93M (latest filing).
What is the total interest income (latest filing)?
$7.96M.