# EMPIRE STATE BANK
STATEN ISLAND, NY · FDIC certificate 57672 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $617.8M | |
| Deposits | $511.6M | |
| Loans and leases | $531.4M | |
| Total equity | $62.7M | |
| Loans / deposits | 102.86% (p92 of band) | 82.04% |
| Liquid assets / assets | 11.14% (p7 of band) | |
| Uninsured deposits / deposits | 21.43% (p34 of band) | 25.97% |
| Brokered deposits | 1.63% | |
| Wholesale funding | 8.23% (p71 of band) | |
| FHLB advances / assets | 5.82% | |
| Tier 1 leverage | 10.13% (p38 of band) | 10.81% |
| Unrealized securities loss / equity | -0.77% (p87 of band) | -8.10% |
| AOCI / equity | -0.04% (p71 of band) | |
| ROA (annualized) | 0.80% (p21 of band) | 1.28% |
| Net interest margin | 3.31% (p20 of band) | 3.91% |
| Efficiency ratio | 74.62% (p82 of band) | |
| Noncurrent loans | 0.91% (p70 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p6 of band) | |
| Reserve coverage of noncurrent | 106.82% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -4.5% | |
| Employees | 59 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | losing money |  |
| 2012-06 | 1 |  | losing money |
| 2012-09 | 1 |  |  |
| 2012-12 | 3 | deposits shrinking, assets shrinking |  |
| 2013-03 | 4 | losing money |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 2 |  | deposits shrinking, assets shrinking |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 0 |  | losing money |
| 2014-06 | 0 |  |  |
| 2014-09 | 5 | loans exceed deposits, capital falling, charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2014-12 | 1 |  | loans exceed deposits, charge-offs p90, deposits shrinking, uninsured deposits leaving |
| 2015-03 | 1 | loans exceed deposits | capital falling |
| 2015-06 | 1 | reserve under noncurrent | loans exceed deposits |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 4 | loans exceed deposits, expense ratio p90 |  |
| 2016-03 | 3 |  | expense ratio p90 |
| 2016-06 | 1 |  | capital falling, loans exceed deposits |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 2 | liquid assets <10%, capital falling |  |
| 2017-03 | 2 | loans exceed deposits | capital falling |
| 2017-06 | 3 | charge-offs p90 |  |
| 2017-09 | 4 | reserve under noncurrent |  |
| 2017-12 | 4 | wholesale funding >15% | reserve under noncurrent |
| 2018-03 | 3 |  | charge-offs p90 |
| 2018-06 | 3 | capital falling | liquid assets <10% |
| 2018-09 | 6 | liquid assets <10%, charge-offs p90, reserve under noncurrent |  |
| 2018-12 | 5 |  | reserve under noncurrent |
| 2019-03 | 3 |  | liquid assets <10%, charge-offs p90 |
| 2019-06 | 3 | uninsured deposits leaving | capital falling |
| 2019-09 | 4 | liquid assets <10% |  |
| 2019-12 | 2 |  | wholesale funding >15%, uninsured deposits leaving |
| 2020-03 | 1 |  | liquid assets <10% |
| 2020-06 | 2 | wholesale funding >15% |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | liquid assets <10%, charge-offs p90 | wholesale funding >15% |
| 2021-06 | 4 | capital falling |  |
| 2021-09 | 2 |  | liquid assets <10%, charge-offs p90 |
| 2021-12 | 0 |  | loans exceed deposits, capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | loans exceed deposits, deposits shrinking |  |
| 2022-09 | 1 |  | deposits shrinking |
| 2022-12 | 3 | wholesale funding >15%, liquid assets <10% |  |
| 2023-03 | 4 | capital falling, charge-offs p90 | liquid assets <10% |
| 2023-06 | 4 | liquid assets <10% | charge-offs p90 |
| 2023-09 | 4 | uninsured deposits leaving | capital falling |
| 2023-12 | 3 |  | uninsured deposits leaving |
| 2024-03 | 5 | expense ratio p90, NIM <2.5% |  |
| 2024-06 | 4 |  | liquid assets <10% |
| 2024-09 | 6 | liquid assets <10%, capital falling, reserve under noncurrent | wholesale funding >15% |
| 2024-12 | 4 |  | expense ratio p90, capital falling |
| 2025-03 | 3 |  | NIM <2.5% |
| 2025-06 | 2 |  | liquid assets <10% |
| 2025-09 | 3 | liquid assets <10% |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 1 |  | reserve under noncurrent, liquid assets <10% |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-27 [The Best Savings Accounts in New York for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE1YR2gxaDBWckVPYmExWHVVbVUzV0VLaHJ6Yl8xVTV5RXVianVNTWFiYVBrXzJzbjFTVERuQmFHRUNqNG02VFI0QzRoT25GdFR5bXJxLWNHUy00Rlg2aGlqeHVub3lzX0lnb2FpYl9ib1JuOHM3RGVZVQ?oc=5) · moneyrates.com
- 2026-04-02 [FBI arrests Brooklyn man after he robs bank his girlfriend used to work at: sources - New York Daily News](https://news.google.com/rss/articles/CBMinwFBVV95cUxNNnZGbFV4V3BlY29NWmYzZXlRWFNNZ09LdFVQNTBsbURlOGZMVFBwWk5WUmR1cUtSQXRQWU5LQm1fVEZxYjR4RTljTm1RUEdwc3ExWGY0SGJxR3g4Xy03MVFWZmRQT0dvX01GNVdBNWlrdW5lbDhxOUozbUhSazdyUFNxSzhoUHJtaEt1azdLVFBGcWZweTNSdWg1WW1kMVU?oc=5) · New York Daily News
- 2026-04-03 [Brooklyn Man Robs Bank Where His Girlfriend Worked - BKReader](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPc0Z4bmJrZjRJRHNuQ3lCWDVIamc2QURoQUtJQXkyb0ZxUUdPQ0VsaXg3eC0zckcxLXlxSWZzNkExWmlMSGZzalAyTDAyNENiZ3ZVY1VrVm5XYmd4eFJJaUJkeWtNT2pVVm1hNU9UX2d6dHo1UERhZHc2Z1NEYV8zNjdGOVgyd3NfN2ozaTYxRzFKYzdBTURUallrUmlfS1F6VFBlRGRGWERiUUU?oc=5) · BKReader
- 2025-04-02 [S.I.’s Empire State Bank expands team after earning national recognition - SILive.com](https://news.google.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?oc=5) · SILive.com
- 2023-07-06 [Empire State Bank welcomes new banking manager in Bay Ridge location - Brooklyn Paper](https://news.google.com/rss/articles/CBMibEFVX3lxTFBrRm04ZjNIM0tYVGRxTlg5cWJjczhQUGJBeFk1emFHbTBnZWRvTl9NcW9DWlZkVzBZbllPSkNDaVNzRzA3dUFqU1FkWWRIWHAzRENZNzlKckdWeHBsU3hPa1pkRWtTTDdacS10eQ?oc=5) · Brooklyn Paper
- 2022-02-23 [ES Bancshares and Empire State Bank Announce Relocation of Home Office to Staten Island, New York - citybiz](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQUkJSUWVqTWI2Rm5PdVFKeVIyTHh2d28wazNfRGdOdE5JcEhXYVQ3cV9ZdVFsb1NqdUpRM2FYekwzV0xNYTJrT1A3Uldkd29HYW8tZHRNcVhZWEFqZkVWMEtSczJfMmV6Qm5yOHFhWVJzVHAtU3ZIQklyel9HT0h3bjBqRXdSLVdKM1Z4bEg4Qi0yaU5TeUZIc0JjZHZ2TlJFRmtDQXFFbko5Qks4MWNsWkRYYUhHWko1S0d2aUtJUVhtQ2UtV0g0WWJOeWw5aGFw?oc=5) · citybiz
- 2019-07-02 [ES Bancshares, Inc. and Empire State Bank Appoints Kelly Zhong, Board of Director - GlobeNewswire](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNeGlncmtUeElESy1DYkJNSk1VUXFnakVIVmhPekJlRG9GazBVZHNiT09EUVpDQkRfTDdSaFJrNDJocVA2c2tsQmJFQ1VrQ3F1YkNqS3p0dWhySUxGbmo4T3M5UWZjQUtiWjdTNFczdTJIQU5kNDBkcElHaG1idEx6Wmp0c19XZDVPdW1FVVNSWVlmdWFkSy1xR19QMl9VN3ZwWThBYUR1YzI2MGtGM3dtT2JqT2dZN1ZSbXk3UUVwWFh5MEFtZXpTLXhvb0EybmZ0RWVPLVNIWmtpTzVlS3ZlRzVac0g?oc=5) · GlobeNewswire
- 2023-06-26 [‘Feels like home’: Empire State Bank brings Bensonhurst native to run 18th Avenue branch - Brooklyn Paper](https://news.google.com/rss/articles/CBMifEFVX3lxTE5lSlJRZzhIWGZKZkhTSUs5cDdobjhreFR3Qk1ZRlZKc3J3ZTNsZm93cV9KYlNndHFzZjdQM09seGI1VTkzbm1RaDBpQkJvWGpLQWllT1l1OVMxMWxJdXVVZzFMUmoyelRZNTlEeldPTnptTGRSUWpYTGVNY2E?oc=5) · Brooklyn Paper

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57672 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "57672", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide