Bank · FDIC insured
Empire State Bank
A $617.8M bank headquartered in Staten Island, NY, with 5 branches in New York. Best rates: CDs 4.25% and savings 0.30% APY.
Empire State Bank Carrot Score
80
Carrot Score
Higher than 53% of U.S. banks and credit unions
#74 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Empire State Bank
Founded in 2004, Empire State Bank is headquartered in Staten Island, New York.
Established by local banking professionals and businesses to provide personalized community banking, it serves the Hudson Valley Region, New York Metro Area, and beyond.
- Headquarters
- 1441 South Ave, Staten Island, NY 10314
- FDIC certificate
- 57672 ↗
Branches
5 branches in New York
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New York
5 branches
- 18th Avenue Banking Center6923 18th Ave, Brooklyn, NY 11204Directions
- Brooklyn Branch8701 3rd Ave, Brooklyn, NY 11209Directions
- Corporate Commons Three Banking Center Branch1441 South Ave Ste 101, Staten Island, NY 10314Directions
- Hylan Boulevard Banking Center Branch2212 Hylan Blvd, Staten Island, NY 10306Directions
- Victory Blvd. Banking Center1698 Victory Blvd, Staten Island, NY 10314Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.13% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.91% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.80% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $104 | $81 | — |
- CapitalLeverage ratio10.13%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.91%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.80%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$104Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Empire State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.