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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 81st largest bank in the state of New York. It is also the 1,602nd largest bank in the nation. It was established in 2004 and as of December of 2020, it had grown to 58 employees at 6 locations. Empire State Bank has an A health rating.

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Health
A

Data as of Q4 2020

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #57672
Year Established2004
Employees58
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD4.54%
Annual Interest Income$18.8MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$515.6MM$420.9MM
LoansQ4 2020vs Q4 2019$429.0MM$365.7MM
DepositsQ4 2020vs Q4 2019$383.0MM$332.0MM
Equity CapitalQ4 2020vs Q4 2019$45.5MM$39.3MM
Loan Loss AllowanceQ4 2020vs Q4 2019$5.5MM$3.5MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$2.0MM$1.6MM
Real Estate OwnedQ4 2020vs Q4 2019$0$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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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