BlastPoint's Banking Scorecard
Empire State Bank
Community
Specialty: Commercial
NY
FDIC cert 57672
Staten Island, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Empire State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 33% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$616.8M
-3.2% YoY
-0.7% QoQ
|
-$774.6M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$544.6M
-2.6% YoY
-1.5% QoQ
|
-$430.9M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$506.7M
-2.1% YoY
-0.9% QoQ
|
-$657.9M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
0.59%
+115.7% YoY
+0.1% QoQ
|
-0.58% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 15% in tier |
| Net Interest Margin ? |
2.90%
+18.2% YoY
+1.6% QoQ
|
-0.76% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
76.26%
-11.8% YoY
+0.0% QoQ
|
+13.63% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 15% in tier |
| Delinquency Rate ? |
1.06%
+9.7% YoY
-1.6% QoQ
|
+0.43% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
107.48%
-0.6% YoY
-0.6% QoQ
|
+24.42% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.00%
+11.2% YoY
+1.2% QoQ
|
+0.95% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.94%
+10.2% YoY
-2.4% QoQ
|
+0.44% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
14.89%
+8.8% YoY
+2.6% QoQ
|
+4.65% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.36%
+85.1% YoY
+23.3% QoQ
|
-0.38% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#171 of 513 · Bottom 33% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
107.48%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
75
75th pctile
Tier 1 Capital Ratio
Current: 14.89% · Tier avg: 10.24%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 22.00% · Tier avg: 21.05%
36
36th pctile
Total Loans
Current: $544.6M · Tier avg: $975.5M
30
30th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
24
24th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.63%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.94% · Tier avg: 0.50%
17
17th pctile
Total Assets
Current: $616.8M · Tier avg: $1.4B
15
15th pctile
Efficiency Ratio
Current: 76.26% · Tier avg: 62.63%
15
15th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.16%
14
14th pctile
Total Deposits
Current: $506.7M · Tier avg: $1.2B
14
14th pctile
Net Interest Margin
Current: 2.90% · Tier avg: 3.66%
5
5th pctile
Loan-to-Deposit Ratio
Current: 107.48% · Tier avg: 83.06%
Top Weaknesses
5
5th pctile
Loan-to-Deposit Ratio
Current: 107.48% · Tier avg: 83.06%
14
14th pctile
Net Interest Margin
Current: 2.90% · Tier avg: 3.66%
14
14th pctile
Total Deposits
Current: $506.7M · Tier avg: $1.2B
15
15th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.16%
15
15th pctile
Efficiency Ratio
Current: 76.26% · Tier avg: 62.63%
17
17th pctile
Total Assets
Current: $616.8M · Tier avg: $1.4B
21
21th pctile
Nonperforming Asset Ratio
Current: 0.94% · Tier avg: 0.50%
24
24th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.63%
30
30th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
36
36th pctile
Total Loans
Current: $544.6M · Tier avg: $975.5M
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 22.00% · Tier avg: 21.05%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.89% · Tier avg: 10.24%