BlastPoint's Banking Scorecard

Empire State Bank

$100M-$1B Specialty: Commercial NY FDIC cert 57672

Staten Island, NY

7 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in NY

Empire State Bank faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 12.1% in tier
- Flatlined Growth: Bottom 46.3% in tier
- ROA 0.41% below tier average
- Net Interest Margin 0.63% below tier average
- Efficiency Ratio 10.60% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$643.9M +1.9% YoY +4.4% QoQ	+$257.8M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$534.3M -4.8% YoY -1.9% QoQ	+$278.6M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	Top 8.8% in tier
Total Deposits ?	$533.4M +6.3% YoY +5.3% QoQ	+$205.4M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	82%
Return on Assets ?	0.86% +85.6% YoY +46.7% QoQ	-0.41%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	30%
Net Interest Margin ?	3.30% +15.7% YoY +13.7% QoQ	-0.63%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	22%
Efficiency Ratio ?	75.88% -5.5% YoY -0.5% QoQ	+10.60%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	21%
Delinquency Rate ?	0.91% -5.7% YoY -14.6% QoQ	+0.02%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	30%
Loan-to-Deposit Ratio ?	100.16% -10.4% YoY -6.8% QoQ	+23.53%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	Bottom 8.3% in tier
Non-Interest-Bearing Deposit Share ?	21.20% -4.8% YoY -3.6% QoQ	-0.82%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	51%
Nonperforming Asset Ratio ?	0.75% -12.0% YoY -19.7% QoQ	+0.11%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	28%
Tier 1 Capital Ratio ?	15.10% +9.4% YoY +1.4% QoQ	-0.73%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	67%
Non-Interest Income / Assets ?	0.05% -2.2% YoY -84.8% QoQ	-0.23%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	22%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#79 of 643 • Bottom 12.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 100.16%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#238 of 512 • Bottom 46.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.86%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

236

Total Loans

size

Value: $534.29M

Peer Median: $255.72M

#236 of 2664 Top 8.8% in $100M-$1B

429

Total Assets

size

Value: $643.88M

Peer Median: $386.08M

#429 of 2664 Top 16.1% in $100M-$1B

468

Total Deposits

size

Value: $533.41M

Peer Median: $327.97M

#468 of 2664 Top 17.5% in $100M-$1B

Top Weaknesses (4 metrics)

2444

Loan-to-Deposit Ratio

liquidity

Value: 100.16%

Peer Median: 76.64%

#2444 of 2664 Bottom 8.3% in $100M-$1B

2107

Efficiency Ratio

profitability

Value: 75.88%

Peer Median: 65.29%

#2107 of 2664 Bottom 20.9% in $100M-$1B

2091

Net Interest Margin

profitability

Value: 3.30%

Peer Median: 3.93%

#2091 of 2664 Bottom 21.5% in $100M-$1B

2082

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2082 of 2664 Bottom 21.9% in $100M-$1B