BlastPoint's Banking Scorecard

Empire State Bank

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

Staten Island, NY

7 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
Deposits -4.5% year over year ($511.6M on the books).
Delinquency rate 0.91%.
Return on assets 0.80%.
Efficiency ratio 74.62% vs a 64.48% peer average.
Loan-to-deposit ratio 102.86% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY

View $100M-$1B leaderboard (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 15.8% in tier
- Capital Constraint: Bottom 74.8% in tier
- ROA 0.52% below tier average
- Net Interest Margin 0.67% below tier average
- Efficiency Ratio 10.14% above tier average

Get updates when Empire State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$617.8M -4.2% YoY -4.1% QoQ	+$231.2M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	82%
Total Loans ?	$526.2M -4.7% YoY -1.5% QoQ	+$267.9M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	Top 9.5% in tier
Total Deposits ?	$511.6M -4.5% YoY -4.1% QoQ	+$184.9M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	81%
Return on Assets ?	0.80% +30.1% YoY -7.1% QoQ	-0.52%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	23%
Net Interest Margin ?	3.31% +18.3% YoY +0.5% QoQ	-0.67%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	20%
Efficiency Ratio ?	74.62% -0.7% YoY -1.7% QoQ	+10.14%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	21%
Delinquency Rate ?	0.91% -18.9% YoY +0.9% QoQ	+0.00%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	31%
Loan-to-Deposit Ratio ?	102.86% -0.2% YoY +2.7% QoQ	+24.91%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	Bottom 7.1% in tier
Non-Interest-Bearing Deposit Share ?	22.35% +7.0% YoY +5.4% QoQ	+0.32%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	56%
Nonperforming Asset Ratio ?	0.78% -19.3% YoY +3.6% QoQ	+0.11%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	27%
Tier 1 Capital Ratio ?	15.07% +5.0% YoY -0.2% QoQ	-0.84%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.11% -52.7% YoY +99.5% QoQ	-0.46%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	21%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	22.4% +1.5pp YoY +1.1pp QoQ	+0.2pp	22.1%	22.1%	22.2%	56%
Brokered Deposits	2.0% -2.3pp YoY -0.9pp QoQ	-5.9pp	7.9%	8.0%	8.5%	30%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	2.4% -0.8pp YoY +0.1pp QoQ	-9.2pp	11.6%	11.0%	12.5%	8%
CRE	n/a	n/a	39.5%	46.2%	41.4%	n/a
1-4 Family	46.8% -2.6pp YoY -1.1pp QoQ	+14.2pp	32.6%	36.6%	31.3%	79%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	5.1%	5.0%	0%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	15.1% +0.7pp YoY 0.0pp QoQ	-3.8pp	18.8%	26.1%	19.7%	49%
Leverage Ratio	10.1% +0.3pp YoY +0.1pp QoQ	-2.0pp	12.2%	13.9%	12.6%	34%
Total Capital Ratio	16.3% +0.7pp YoY 0.0pp QoQ	-3.6pp	19.9%	27.2%	20.8%	51%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	59 -3 (-4.8%) YoY +1 (+1.7%) QoQ	+0	58	914	482	62%
Assets per Employee ($)	$10.5M +0.6% YoY -5.7% QoQ	+$3.0M	$7.5M	$14.8M	$8.8M	88%
Branch Count	7 0 YoY 0 QoQ	+2	4	27	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.9% -0.2pp YoY 0.0pp QoQ	0.0pp	0.9%	1.3%	1.0%	69%
Allowance Coverage	1.07x +28.7% YoY +0.5% QoQ	-23.09x	24.15x	1.92x	20.23x	29%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY	-0.2pp	0.1%	0.1%	0.2%	11%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	8.0% +1.4pp YoY -0.7pp QoQ	-4.2pp	12.2%	7.9%	11.6%	25%
Cost of Funds (YTD)	2.1% -0.3pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.8%	1.7%	75%
Net Income ($, YTD)	$2.5M +27.7% YoY — QoQ	-$44K	$2.6M	$111.2M	$40.4M	62%

Get Full Access to Empire State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#110 of 691 • Bottom 15.8% 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: 102.86%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Capital Constraint

risk

#81 of 107 • Bottom 74.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 102.86%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 15.07%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

107 of 107 Community banks match · 143 nationally

→ Stable -5 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

252

Total Loans

size

Value: $526.24M

Peer Median: $258.35M

#252 of 2643 Top 9.5% in $100M-$1B

486

Total Assets

size

Value: $617.79M

Peer Median: $386.57M

#486 of 2643 Top 18.4% in $100M-$1B

499

Total Deposits

size

Value: $511.62M

Peer Median: $326.73M

#499 of 2643 Top 18.8% in $100M-$1B

Top Weaknesses (5 metrics)

2456

Loan-to-Deposit Ratio

liquidity

Value: 102.86%

Peer Median: 77.95%

#2456 of 2643 Bottom 7.1% in $100M-$1B

2111

Net Interest Margin

profitability

Value: 3.31%

Peer Median: 3.99%

#2111 of 2643 Bottom 20.2% in $100M-$1B

2092

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.57%

#2092 of 2643 Bottom 20.9% in $100M-$1B

2089

Efficiency Ratio

profitability

Value: 74.62%

Peer Median: 64.48%

#2089 of 2643 Bottom 21.0% in $100M-$1B

2028

Return on Assets

profitability

Value: 0.80%

Peer Median: 1.32%

#2028 of 2643 Bottom 23.3% in $100M-$1B