Empire State Bank

Overview / Commentary

www.esbna.com

845-561-0003

68 North Plank Road
Newburgh, NY 12550

Empire State Bank is headquartered in Newburgh and is the 80^th largest bank in the state of New York. It is also the 1,718^th largest bank in the nation. It was established in 2004 and as of December of 2021, it had grown to 63 employees at 7 locations. Empire State Bank has an A health rating.

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Health

Data as of Q4 2021

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Health Grade Components

Overall
FDIC Certificate #	57672
Year Established	2004
Employees	63
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.07%
Return on Equity - YTD	11.46%
Annual Interest Income	$20.6MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$515.4MM$515.5MM
Loans	Q4 2021vs Q4 2020	$422.2MM$429.0MM
Deposits	Q4 2021vs Q4 2020	$439.4MM$383.0MM
Equity Capital	Q4 2021vs Q4 2020	$50.9MM$45.5MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$5.9MM$5.5MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$1.9MM$2.0MM
Real Estate Owned	Q4 2021vs Q4 2020	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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
0.30%^*	$5k^*	$250k	Empire Builder Savings
OTHER TIERS: 0.05% → Any amount
0.20%^*	$100k^*	-	Statement Savings
OTHER TIERS: 0.05% → Up to $25k \| 0.10% → $25k - $100k
0.20%^*	$100k^*	-	Minor Statement Savings
OTHER TIERS: 0.05% → Up to $25k \| 0.10% → $25k - $100k

Empire State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$100k^*	-	Business Money Market with Business Checking
OTHER TIERS: 0.05% → Up to $2.5k \| 0.10% → $2.5k - $100k
0.20%	$100k	-	Municipal Money Market Account
0.20%^*	$100k^*	-	Personal Money Market
OTHER TIERS: 0.05% → Up to $2.5k \| 0.10% → $2.5k - $100k

Empire State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%^*	$100k^*	-	Non-Profit Checking
OTHER TIERS: 0.10% → Up to $2.5k \| 0.20% → $2.5k - $25k \| 0.35% → $25k - $100k
0.20%^*	$20k^*	-	"VIP" Interest Checking
OTHER TIERS: 0.05% → Up to $5k \| 0.10% → $5k - $20k

Empire State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	$1k	-	36 Month CD
1.00%	$1k	-	25 Month CD
0.60%	$1k	-	18 Month CD
0.60%	$1k	-	24 Month CD
0.60%	$1k	-	48 Month CD
0.60%	$1k	-	60 Month CD
0.60%	$1k	-	36 Month Access CD
0.60%	$1k	-	15 Month CD
0.60%	$1k	-	22 Month CD
0.60%	$1k	-	34 Month CD
0.50%	$1k	-	30 Month CD
0.35%	$1k	-	12 Month CD
0.30%	$1k	-	11 Month CD
0.25%	$1k	-	3 Month CD
0.25%	$1k	-	5 Month CD
0.25%	$1k	-	6 Month CD
0.25%	$1k	-	7 Month CD
0.25%	$1k	-	9 Month CD

Empire State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	$1k	-	36 Month IRA CD
1.00%	$1k	-	25 Month IRA
0.60%	$1k	-	18 Month IRA CD
0.60%	$1k	-	24 Month IRA CD
0.60%	$1k	-	36 Month Access IRA CD
0.60%	$1k	-	48 Month IRA CD
0.60%	$1k	-	60 Month IRA CD
0.60%	$1k	-	15 Month IRA CD
0.60%	$1k	-	22 Month IRA
0.60%	$1k	-	34 Month IRA CD
0.50%	$1k	-	30 Month IRA CD
0.35%	$1k	-	12 Month IRA CD
0.30%	$1k	-	11 Month IRA CD
0.25%	$1k	-	3 Month IRA CD
0.25%	$1k	-	5 Month IRA CD
0.25%	$1k	-	6 Month IRA CD
0.25%	$1k	-	7 Month IRA CD
0.25%	$1k	-	9 Month IRA CD

Locations

Empire State Bank Locations
Railroad Avenue Branch	2212 Hylan Boulevard	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
Victory Blvd. Banking Center	1698 Victory Boulevard	Staten Island, NY 10314
18th Avenue Banking Center	6923 18th Avenue	Brooklyn, NY 11204
Corporate Commons Three Banking Cent	1441 South Avenue	Staten Island, NY 10314

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