Empire State Bank

Overview / Commentary
68 North Plank Road
Newburgh, NY 12550

Empire State Bank is headquartered in Newburgh and is the 82nd largest bank in the state of New York. It is also the 1,635th largest bank in the nation. It was established in 2004 and as of September of 2020, it had grown to 54 employees at 6 locations. Empire State Bank has an A health rating.


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Health Grade Components

FDIC Certificate #57672
Year Established2004
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD4.1%
Annual Interest Income$14.0MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$495.4MM$421.8MM
LoansQ3 2020vs Q3 2019$426.6MM$365.8MM
DepositsQ3 2020vs Q3 2019$357.9MM$328.3MM
Equity CapitalQ3 2020vs Q3 2019$40.8MM$30.6MM
Loan Loss AllowanceQ3 2020vs Q3 2019$5.2MM$3.6MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$2.1MM$1.4MM
Real Estate OwnedQ3 2020vs Q3 2019$0$0
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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

0.45%*$5k*$250kEmpire Builder Savings
OTHER TIERS: 0.05% Any amount
0.20%*$100k*-Statement Savings
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $100k

Empire State Bank Money Market Rates

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

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

0.60%$1k-36 Month CD
0.60%$1k-48 Month CD
0.60%$1k-60 Month CD
0.60%$1k-36 Month Access CD
0.60%$1k-34 Month CD
0.50%$1k-18 Month CD
0.50%$1k-24 Month CD
0.50%$1k-30 Month CD
0.50%$1k-15 Month CD
0.50%$1k-22 Month CD
0.45%$1k-12 Month CD
0.40%$1k-3 Month CD
0.40%$1k-5 Month CD
0.40%$1k-6 Month CD
0.40%$1k-7 Month CD
0.40%$1k-11 Month CD
0.40%$1k-9 Month CD

Empire State Bank IRA Rates

0.60%$1k-36 Month Access IRA CD
0.60%$1k-36 Month IRA CD
0.60%$1k-48 Month IRA CD
0.60%$1k-60 Month IRA CD
0.60%$1k-34 Month IRA
0.50%$1k-18 Month IRA CD
0.50%$1k-24 Month IRA CD
0.50%$1k-30 Month IRA CD
0.50%$1k-15 Month IRA CD
0.50%$1k-22 Month IRA
0.45%$1k-12 Month IRA CD
0.40%$1k-3 Month IRA CD
0.40%$1k-5 Month IRA CD
0.40%$1k-6 Month IRA CD
0.40%$1k-11 Month IRA CD
0.40%$1k-7 Month IRA CD
0.40%$1k-9 Month IRA

Empire State Bank Locations
Railroad Avenue Branch1361 N. Railroad AvenueStaten Island, NY 10306
New Paltz Branch275 Main St.New Paltz, NY 12561
Empire State Bank68 North Plank RoadNewburgh, NY 12550
Brooklyn Branch8701 3rd AvenueBrooklyn, NY 11209
Victory Blvd. Banking Center1698 Victory BoulevardStaten Island, NY 10314
18th Avenue Banking Center6923 18th AvenueBrooklyn, NY 11204

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