Empire State Bank

Overview / Commentary

www.esbna.com

845-561-0003

68 North Plank Road
Newburgh, NY 12550

Empire State Bank is headquartered in STATEN ISLAND and is the 67^th largest bank in the state of New York. It is also the 1,416^th largest bank in the nation. It was established in 2004 and as of March of 2023, it had grown to 63 employees at 7 locations. Empire State Bank's savings rates are 2X the national average, and it has an A health rating.

Reviews

Write a Review

No reviews have been left for this bank yet. Be the first to review.

Health

Data as of Q1 2023

Learn why bank health matters

Health Grade Components

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

Profit Margin
Return on Assets - YTD	0.5%
Return on Equity - YTD	5.4%
Annual Interest Income	$6.5MM

Assets and Liabilities
Assets	Q1 2023vs Q1 2022	$639.6MM$542.2MM
Loans	Q1 2023vs Q1 2022	$538.4MM$412.3MM
Deposits	Q1 2023vs Q1 2022	$491.9MM$463.5MM
Equity Capital	Q1 2023vs Q1 2022	$57.5MM$52.1MM
Loan Loss Allowance	Q1 2023vs Q1 2022	$4.9MM$5.8MM
Unbacked Noncurrent Loans	Q1 2023vs Q1 2022	$866.00K$1.5MM
Real Estate Owned	Q1 2023vs Q1 2022	$164.00K$0

Rates

Skip to rates for:

Savings
Money Market
Checking
CD
IRA

Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Empire State Bank; we are a rate comparison website and cannot provide official rates or promotions.

* 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
1.25%	$2.5k	-	e-Advantage Personal Savings
1.25%	$2.5k	-	e-Advantage Business Savings
1.25%	$2.5k	-	e-Advantage IRA Savings
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
5.00%	$1k	-	3 Month CD
5.00%	$1k	-	8 Month CD Special
4.50%	$1k	-	13 Month CD Special
3.90%	$1k	-	24 Month CD
3.00%	$1k	-	5 Month CD
3.00%	$1k	-	7 Month CD
3.00%	$1k	-	11 Month CD
3.00%	$1k	-	15 Month CD
2.00%	$1k	-	36 Month CD
1.60%	$1k	-	25 Month CD
0.60%	$1k	-	18 Month CD
0.60%	$1k	-	48 Month CD
0.60%	$1k	-	60 Month CD
0.60%	$1k	-	36 Month Access CD
0.60%	$1k	-	22 Month CD
0.60%	$1k	-	34 Month CD
0.50%	$1k	-	6 Month CD
0.50%	$1k	-	30 Month CD
0.25%	$1k	-	9 Month CD

Empire State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
5.00%	$1k	-	3 Month IRA CD
5.00%	$1k	-	8 Month IRA Special
4.50%	$1k	-	13 Month IRA Special
3.90%	$1k	-	24 Month IRA CD
3.00%	$1k	-	5 Month IRA CD
3.00%	$1k	-	15 Month IRA CD
3.00%	$1k	-	11 Month IRA CD
3.00%	$1k	-	7 Month IRA CD
2.00%	$1k	-	36 Month IRA CD
1.60%	$1k	-	25 Month IRA CD
0.60%	$1k	-	18 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	-	22 Month IRA CD
0.60%	$1k	-	34 Month IRA CD
0.50%	$1k	-	6 Month IRA CD
0.50%	$1k	-	30 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	1441 South Ave	Staten Island, NY 10314
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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.