Empire State Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $644M | $533M | $534M | $63M | $1M | 0.86% | 8.63% | 3.30% | 0.90% |
| Q4 2025 | $617M | $507M | $545M | $63M | $916K | 0.59% | 6.08% | 2.90% | 1.05% |
| Q3 2025 | $621M | $512M | $553M | $62M | $829K | 0.59% | 6.15% | 2.85% | 1.07% |
| Q2 2025 | $645M | $536M | $552M | $61M | $1M | 0.62% | 6.54% | 2.80% | 1.12% |
| Q1 2025 | $632M | $502M | $561M | $60M | $738K | 0.47% | 4.95% | 2.85% | 0.95% |
| Q4 2024 | $637M | $517M | $559M | $59M | $659K | 0.27% | 2.94% | 2.45% | 0.96% |
| Q3 2024 | $633M | $514M | $560M | $59M | $592K | 0.23% | 2.44% | 2.38% | 0.93% |
| Q2 2024 | $652M | $526M | $560M | $60M | $376K | 0.15% | 1.65% | 2.32% | 0.23% |
| Q1 2024 | $629M | $503M | $560M | $59M | $114K | 0.07% | 0.77% | 2.27% | 0.25% |
| Q4 2023 | $639M | $498M | $564M | $59M | $256K | 0.34% | 3.72% | 2.82% | 0.27% |
| Q3 2023 | $630M | $476M | $558M | $59M | $302K | 0.41% | 4.39% | 2.95% | 0.27% |
| Q2 2023 | $628M | $509M | $546M | $58M | $828K | 0.52% | 5.56% | 3.02% | 0.28% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.