Empire State Bank

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.30%	5-year CD	60 Month CD 2.35% - Synchrony Bank 60 Month CD
0.40%	1-year CD	12 Month CD 1.40% - Synchrony Bank 12 Month CD
0.30%	Savings	Statement Savings 1.20% - Synchrony Bank High Yield Savings

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Overview / Commentary

esbna.com

845-561-0003

68 North Plank Road
Newburgh, NY 12550

Empire State Bank is headquartered in Newburgh and is the 105^th largest bank in the state of New York. It is also the 2,514^th largest bank in the nation. It was established in 2004 and as of March of 2017, it had grown to 47 employees at 5 locations. Empire State Bank has an A health rating.

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Health

A

Data as of Q1 2017

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Health Grade Components

Overall
FDIC Certificate #	57672
Year Established	2004
Employees	47
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.35%
Return on Equity - YTD	3.95%
Annual Interest Income	$2.5MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$253.9MM$208.6MM
Loans	Q1 2017vs Q1 2016	$221.0MM$173.9MM
Deposits	Q1 2017vs Q1 2016	$216.1MM$172.5MM
Equity Capital	Q1 2017vs Q1 2016	$21.9MM$17.7MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$2.9MM$2.3MM
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$2.1MM$3.5MM
Real Estate Owned	Q1 2017vs Q1 2016	$273.00K$0

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Empire State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$100k^*	-	Statement Savings
OTHER TIERS: 0.15% → Up to $25k \| 0.20% → $25k - $100k

Empire State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%^*	$100k^*	-	Business Money Market with Business Checking
OTHER TIERS: 0.10% → Up to $2,500 \| 0.20% → $2,500 - $25k \| 0.35% → $25k - $100k
0.45%	$100k	-	Municipal Money Market Account
0.45%^*	$100k^*	-	Personal Money Market
OTHER TIERS: 0.10% → Up to $2,500 \| 0.20% → $2,500 - $25k \| 0.35% → $25k - $100k

Empire State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%^*	$100k^*	-	Non-Profit Checking
OTHER TIERS: 0.10% → Up to $2,500 \| 0.20% → $2,500 - $25k \| 0.35% → $25k - $100k
0.40%^*	$20k^*	-	"VIP" Interest Checking
OTHER TIERS: 0.25% → Up to $5k \| 0.30% → $5k - $20k

Empire State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.30%	$1k	-	60 Month CD
1.10%	$1k	-	48 Month CD
0.96%	$1k	-	36 Month CD
0.65%	$1k	-	24 Month CD
0.65%	$1k	-	30 Month CD
0.60%	$1k	-	36 Month Access CD
0.40%	$1k	-	12 Month CD
0.35%	$1k	-	5 Month CD
0.30%	$1k	-	3 Month CD
0.30%	$1k	-	6 Month CD

Empire State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.29%	$1k	-	60 Month IRA CD
1.10%	$1k	-	48 Month IRA CD
0.96%	$1k	-	36 Month IRA CD
0.65%	$1k	-	24 Month IRA CD
0.65%	$1k	-	30 Month IRA CD
0.60%	$1k	-	36 Month Access IRA CD
0.40%	$1k	-	12 Month IRA CD
0.35%	$1k	-	5 Month IRA CD
0.30%	$1k	-	3 Month IRA CD
0.30%	$1k	-	6 Month IRA CD

Locations

Empire State Bank Locations
Railroad Avenue Branch	1361 N. Railroad Avenue	Staten Island, NY 10306
New Paltz Branch	275 Main St.	New Paltz, NY 12561
Empire State Bank	68 North Plank Road	Newburgh, NY 12550
Brooklyn Branch	8701 3rd Avenue	Brooklyn, NY 11209