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Empire State Bank

IDRSSD: 3277241
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2026-Q1QoQ +4

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #3277241 2026-Q1 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.2% (threshold 100%).

What changed this quarter

Compared to Q4 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +10
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +10

The five pillars

Liquidity

StrongQoQ +10
80
Sub-score

Liquidity is strong: brokered 2.8%, loans/deposits 100.2%, cash 8.8% of assets.

Cash / Assets
8.78%
Loans / Deposits
100.16%
Brokered %
2.82%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.2% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.22%
No watch items at this period.

Capitalization

StrongQoQ 0
100
Sub-score

Capital position is strong: Tier 1 RBC 15.10%, CET1 15.10%, leverage 10.00%.

Tier 1 RBC
15.10%
CET1
15.10%
Leverage
10.00%
No watch items at this period.

Asset Quality

StrongQoQ +2
96
Sub-score

Asset quality is strong: Adjusted NPL 0.91%, Texas Ratio 7.1%, NCO YTD 0.00%.

Adjusted NPL
0.91%
Govt-guarantees stripped
Texas Ratio
7.1%
NCO YTD
0.00%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +10
61
Sub-score

Reserves are stable: ALLL 0.95% of loans, coverage 106.2%, true coverage 106.2%.

ALLL / Loans
0.95%
Coverage
106.2%
True Loss Coverage
106.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 04:11:31 UTC