D
Empire State Bank
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Empire State Bank
Staten Island, NY
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Rating D
Asset Quality Index 5.00
Capitalization Index 8.50
Liquidity Index 0.10
Profitability Index 3.20
Stability Index 6.40
Company Info Empire State Bank
Staten Island, NY
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FDIC Number 57672
Phone Number (718) 303-6915
Website esbna.com
Asset Quality Empire State Bank
Staten Island, NY
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1-Year Asset Growth -3.15%
5-Year Asset Growth 3.93%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.94%
Non-Performing Loans to Capital 8.51%
Non-Performing Loans to Loans 1.05%
Balance Sheet Empire State Bank
Staten Island, NY
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Total Assets 616.84M
Total Deposits 506.67M
Capital and Reserves Empire State Bank
Staten Island, NY
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Capital 62.96M
Leverage Ratio 10.00
Loan Loss Reserves to Loans 0.94%
Risk-Based Capital Ratio 16.14
Liquidity Empire State Bank
Staten Island, NY
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Hot Money Ratio 21.43%
Liquidity Ratio 8.72%
Profitability Empire State Bank
Staten Island, NY
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5-Year Return on Average Assets 0.64%
Net Income 3.71M
Net Interest Spread 2.86%
Operating Profit to Average Assets 0.75%
Overhead Efficiency Ratio 76.26%
Return on Assets 0.59%
Return on Equity 6.08%