Empire State Bank

Overview / Commentary
68 North Plank Road
Newburgh, NY 12550

Empire State Bank is headquartered in STATEN ISLAND and is the 69th largest bank in the state of New York. It is also the 1,455th largest bank in the nation. It was established in 2004 and as of December of 2023, it had grown to 58 employees at 7 locations. Empire State Bank's CD rates are 5X the national average, and it has an A health rating.


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Health Grade Components

FDIC Certificate #57672
Year Established2004
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.34%
Return on Equity - YTD3.72%
Annual Interest Income$28.2MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$638.9MM$588MM
LoansQ4 2023vs Q4 2022$563.9MM$506.7MM
DepositsQ4 2023vs Q4 2022$498.1MM$454.6MM
Equity CapitalQ4 2023vs Q4 2022$59MM$56.5MM
Loan Loss AllowanceQ4 2023vs Q4 2022$5.1MM$5.9MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$1.3MM$1.2MM
Real Estate OwnedQ4 2023vs Q4 2022$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

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*$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
0.20%*$100k*-Minor Statement Savings
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $100k

Empire State Bank Money Market Rates

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
0.20%*$100k*-Business 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

5.10%$1k-7 Month CD
5.00%$1k-3 Month CD
4.80%$1k-8 Month CD
4.50%$1k-12 Month CD
4.50%$1k-11 Month CD
4.50%$1k-10 Month CD
4.50%$1k-13 Month CD
3.00%$1k-5 Month CD
3.00%$1k-24 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

5.10%$1k-7 Month IRA CD
5.00%$1k-3 Month IRA CD
4.80%$1k-8 Month IRA CD
4.50%$1k-12 Month IRA CD
4.50%$1k-11 Month IRA CD
4.50%$1k-10 Month IRA CD
4.50%$1k-13 Month IRA CD
3.00%$1k-5 Month IRA CD
3.00%$1k-24 Month IRA CD
3.00%$1k-15 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

Empire State Bank Locations
Railroad Avenue Branch2212 Hylan BoulevardStaten Island, NY 10306
New Paltz Branch275 Main St.New Paltz, NY 12561
Empire State Bank1441 South AveStaten Island, NY 10314
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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