D
Empire State Bank
Rating Date
October 2025
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 8.40
Liquidity Index 0.10
Profitability Index 3.20
Stability Index 6.20
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 -1.92%
5-Year Asset Growth 10.26%
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 8.69%
Non-Performing Loans to Loans 1.07%
Balance Sheet Empire State Bank
Staten Island, NY
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Total Assets 621.22M
Total Deposits 511.51M
Capital and Reserves Empire State Bank
Staten Island, NY
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Capital 61.99M
Leverage Ratio 9.91
Loan Loss Reserves to Loans 0.93%
Risk-Based Capital Ratio 15.76
Liquidity Empire State Bank
Staten Island, NY
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Hot Money Ratio 22.23%
Liquidity Ratio 7.89%
Profitability Empire State Bank
Staten Island, NY
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5-Year Return on Average Assets 0.64%
Net Income 2.80M
Net Interest Spread 2.84%
Operating Profit to Average Assets 0.75%
Overhead Efficiency Ratio 76.24%
Return on Assets 0.60%
Return on Equity 6.16%