Empire State Bank

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 1,507^th largest bank in the nation. It was established in 2004 and as of March of 2025, it had grown to 58 employees at 7 locations. Empire State Bank's savings rates are 7X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	57672
Year Established	2004
Employees	58
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.47%
Return on Equity - YTD	4.95%
Annual Interest Income	$7.9MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$631.7MM$628.8MM
Loans	Q1 2025vs Q1 2024	$561.4MM$560.4MM
Deposits	Q1 2025vs Q1 2024	$501.9MM$503MM
Equity Capital	Q1 2025vs Q1 2024	$59.8MM$59.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$5.2MM$5.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$5.3MM$1.3MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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
3.70%^*	$25k^*	$6m	Premier Savings
OTHER TIERS: 0.05% → $0 - $25k \| 2.50% → $6m+
1.25%	$2.5k	-	e-Advantage Personal Savings
1.25%	$2.5k	-	e-Advantage Business Savings
0.30%^*	$5k^*	$250k	Empire Builder Savings
OTHER TIERS: 0.05% → $0+
0.20%^*	$100k^*	-	Statement Savings
OTHER TIERS: 0.05% → $0 - $25k \| 0.10% → $25k - $100k
0.20%^*	$100k^*	-	Minor Statement Savings
OTHER TIERS: 0.05% → $0 - $25k \| 0.10% → $25k - $100k

Empire State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%	$100k	-	Municipal Money Market Account
0.20%^*	$100k^*	-	Personal Money Market
OTHER TIERS: 0.05% → $0 - $2.5k \| 0.10% → $2.5k - $100k
0.20%^*	$100k^*	-	Business Money Market
OTHER TIERS: 0.05% → $0 - $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% → $0 - $2.5k \| 0.20% → $2.5k - $25k \| 0.35% → $25k - $100k
0.20%^*	$20k^*	-	"VIP" Interest Checking
OTHER TIERS: 0.05% → $0 - $5k \| 0.10% → $5k - $20k

Empire State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.15%	$1k	-	6 Month CD Special
3.90%	$1k	-	11 Month CD
3.90%	$1k	-	9 Month CD
3.90%	$1k	-	10 Month CD
3.80%	$1k	-	5 Month CD
3.75%	$1k	-	12 Month CD
3.75%	$1k	-	13 Month CD
3.70%	$1k	-	3 Month CD
3.70%	$1k	-	7 Month CD
3.70%	$1k	-	8 Month CD
3.00%	$1k	-	18 Month CD
3.00%	$1k	-	24 Month CD
3.00%	$1k	-	30 Month CD
3.00%	$1k	-	36 Month CD
3.00%	$1k	-	48 Month CD
3.00%	$1k	-	60 Month CD
3.00%	$1k	-	15 Month CD
3.00%	$1k	-	22 Month CD
3.00%	$1k	-	34 Month CD
3.00%	$1k	-	25 Month CD
0.60%	$1k	-	36 Month Access CD

Empire State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.15%	$1k	-	6 Month IRA Special
3.90%	$1k	-	11 Month IRA CD
3.90%	$1k	-	9 Month IRA CD
3.90%	$1k	-	10 Month IRA CD
3.80%	$1k	-	5 Month IRA CD
3.75%	$1k	-	12 Month IRA CD
3.75%	$1k	-	13 Month IRA CD
3.70%	$1k	-	3 Month IRA CD
3.70%	$1k	-	7 Month IRA CD
3.70%	$1k	-	8 Month IRA CD
3.00%	$1k	-	18 Month IRA CD
3.00%	$1k	-	24 Month IRA CD
3.00%	$1k	-	30 Month IRA CD
3.00%	$1k	-	36 Month IRA CD
3.00%	$1k	-	48 Month IRA CD
3.00%	$1k	-	60 Month IRA CD
3.00%	$1k	-	15 Month IRA CD
3.00%	$1k	-	22 Month IRA CD
3.00%	$1k	-	34 Month IRA CD
3.00%	$1k	-	25 Month IRA CD
1.25%	$2.5k	-	e-Advantage IRA Savings
0.60%	$1k	-	36 Month Access 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

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