|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Empire State Bank Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 23, 2026
Empire State Bank's 10-Month CDs rates are at 3.70%, 11-Month CDs rates are at 3.70%, 12-Month CDs rates are at 3.70%, 13-Month CDs rates are at 3.70%, 3-Month CDs rates are at 3.70%. Empire State Bank's savings rates are at 0.05%. Empire State Bank's money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of Empire State Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.86%. Rates were last updated on 03/23/2026. Empire State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Empire State Bank? Share your experience about Empire State Bank by leaving a review below, or read customer reviews before you decide to use Empire State Bank. 
Empire State Bank CD Rates
Empire State Bank Savings Rates
Empire State Bank Money Market Rates
Empire State Bank Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Empire State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Empire State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Empire State Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Empire State Bank
Bank Holding Company
ES BANCSHARES INC
Address
1441 South Ave,
Staten Island, NY 10314 · Richmond
Website
https://www.esbna.com
FDIC Certificate #
57672
Established
06/28/2004
FDIC Insurance Date
06/28/2004
Domestic Offices
7
Total Branches
7
Regulator
FED
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
2.86%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.4074%
Return on Equity (ROE)
4.3900%
Non-Performing Loans (NPL)
0.25%
Total Assets
$616,840,000
Total Deposits
$506,668,000
Equity Capital
$62,964,000
Net Income
$3,711,000
Headquarters
Staten Island
Total Offices
7
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Empire State BankIs Empire State Bank a safe place to deposit money?Yes, Empire State Bank is considered a safe financial institution. With a Texas Ratio of 2.8635789617393%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Empire State Bank operate?Empire State Bank currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Empire State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Empire State Bank provides members with tools to manage their accounts and build a solid financial history. Does Empire State Bank offer online and mobile banking?Most modern institutions like Empire State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.esbna.com. Current Empire State Bank Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
First Trust and Savings Bank Coralville, IA
Liberty Bank Ironton, OH
FNB of Harveyville
Town & Country Bank Salem, MO
WCB West Central Bank
Collinsville Bank
Falcon International Bank
West Michigan Community Bank
The Cleveland State Bank
Senath State Bank
Henderson State Bank
Auburn Savings Bank
CNB of Brady
Union County Savings Bank Elizabeth, NJ
F & C Bank
Iron Workers SB
FNB in Cimarron
Northfield Savings Bank
Morris Bank
Chelsea Groton Bank
MNB Malvern National Bank
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
