| Metric | Empire State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.2% | +4.9% | -9.1 pts |
| Deposit growth (YoY) | -4.5% | +4.3% | -8.8 pts |
| Loan growth (YoY) | -4.7% | +5.3% | -10.1 pts |
| ROA | 0.80% | 1.28% | -0.5 pts |
| ROE | 8.0% | 12.4% | -4.5 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $617.8M | $511.6M | $526.2M | $62.7M | $2.5M | 0.80% | 3.31% | 0.78% |
| Q1 2026 | $643.9M | $533.4M | $534.3M | $63.3M | $1.4M | 0.86% | 3.30% | 0.75% |
| Q4 2025 | $616.8M | $506.7M | $544.6M | $63.0M | $3.7M | 0.59% | 2.90% | 0.94% |
| Q3 2025 | $621.2M | $511.5M | $552.9M | $62.0M | $2.8M | 0.59% | 2.85% | 0.96% |
| Q2 2025 | $645.2M | $535.8M | $552.3M | $61.1M | $2.0M | 0.62% | 2.80% | 0.97% |
| Q1 2025 | $631.7M | $501.9M | $561.4M | $59.8M | $738K | 0.47% | 2.85% | 0.85% |
| Q4 2024 | $636.9M | $517.5M | $559.3M | $59.5M | $1.7M | 0.27% | 2.45% | 0.85% |
| Q3 2024 | $633.4M | $514.0M | $560.0M | $58.9M | $1.1M | 0.23% | 2.38% | 0.83% |
Loan mix (Q2 2026): real estate $518.6M · commercial $12.6M · consumer $13K · securities $9.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Empire State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 1.28% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 12.4% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 61.2% | 83th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Empire State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Empire State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Empire State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Empire State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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