Compared with New York
11 of 18
compared fees are above the median.
6 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
66th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the New York median
of 18 compared; 6 below, 1 about the same
See the feesFee schedule read Oct 13, 2026
Call-report figures are for Empire State Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the New York median | Published fees above the New York median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Empire State Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 13, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.8% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (66th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $148K in Q2 2026, 54% above the same quarter a year earlier ($96K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
11 of 18 compared published fees sit above the New York median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with New York medians for fees published by banks and credit unions.
NSF / Returned Item
Compared at $25, the middle of its prices
Foreign Transaction
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 45% from Q3 2025 to Q2 2026, to $148K. Its share of revenue, 2.8%, is above the 2.1% median for banks with $300M to $1B in assets.
$148K
Empire State BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Empire State Bank · $618M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Empire State Bank(this institution) | Staten Island, NY | $618M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| All America Bank | Oklahoma City, OK | $611M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Andrew Johnson Bank | Greeneville, TN | $612M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| AVB Bank | Broken Arrow, OK | $612M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Century Savings Bank | Vineland, NJ | $635M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Claremont Savings Bank | Claremont, NH | $620M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community First Bank | Boscobel, WI | $634M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community Savings Bank | Edgewood, IA | $614M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Crossroads Bank | Wabash, IN | $616M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| DeMotte State Bank | Demotte, IN | $622M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First Bank Kansas | Salina, KS | $619M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank of Louisiana | Crowley, LA | $631M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Port City Bank | Bainbridge, GA | $624M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| FNBT BANK | Fort Walton Beach, FL | $629M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Frontier State Bank | Oklahoma City, OK | $609M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Haverhill Bank | Haverhill, MA | $637M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Heritage Bank | Wood River, NE | $612M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Legends Bank | Linn, MO | $636M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| NBT Financial Bank | Fort Worth, TX | $619M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| NewBank | Flushing, NY | $618M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Peoples Exchange Bank | Winchester, KY | $610M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Phelps County Bank | Rolla, MO | $622M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Quaint Oak Bank | Southampton, PA | $631M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southeastern Bank | Darien, GA | $625M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Carmi | Carmi, IL | $622M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tioga State Bank National Association | Spencer, NY | $625M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.25 among 14 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Empire State Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Empire State Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $148K | +$27K | +22.3% |
| Q1 2026 | $121K | +$10K | +9.0% |
| Q4 2025 | $111K | +$9K | +8.8% |
| Q3 2025 | $102K | +$6K | +6.3% |
| Q2 2025 | $96K | −$5K | −5.0% |
| Q1 2025 | $101K | −$8K | −7.3% |
| Q4 2024 | $109K | +$14K | +14.7% |
| Q3 2024 | $95K | +$24K | +33.8% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Empire State Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Empire State Bank by share.
Amounts from Empire State Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Early Closure (closed within 6 months of account opening) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Undeliverable Mail | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Insufficient Funds | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Insufficient Funds | $20Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Savings to Checking Overdraft Transfer | $10Not compared: Daily charge, not per item | per day | None |
ATM & Card | |||
| Visa Debit Card Replacement | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Rush Order | $40Inside the U.S. middle 50% ($30 to $50 nationally) | per item | Per card |
| Debit Card International Transaction | $5Above the U.S. middle 50% ($0 to $2.38 nationally) | per transaction | None |
Wire Transfers | |||
| Wire Transfer Services: Domestic - Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer Services: Foreign - Outgoing | $30Below the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Wire Transfer Services: Foreign - Incoming | $30Above the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Cashier's Checks | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| International Collection Item | $50Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Item Returned | $10Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Night Depository Key | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Account Services | |||
| Notary Service | $2Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Drilling | $200Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 X 10 | $200Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 X 10 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 X 5 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 X 10 | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 X 5 | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Legal Process (attachments, restraining notices, executions, summons & subpoenas) | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Other Fees | |||
| Copy of Statement, Paid Check or Deposited Item | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 13, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Empire State Bank operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state, $511.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 6 | $511.6M |
New York-Newark-Jersey City, NY-NJ
0% of bank deposits, #95 of 151, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 34.1% |
| Goldman Sachs Bank USA | 9.6% |
| The Bank of New York Mellon | 8.8% |
| Morgan Stanley Private Bank, National Association | 7.2% |
| Bank of America, National Association | 6.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In New York-Newark-Jersey City, NY-NJ, Empire State Bank holds 0% of bank deposits, #95 of 151, with 6 offices.
900 offices of 15 institutions shown.
Showing 900 of 4,574 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 151 institutions shown. $2.9T in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0% share, 6 offices, #95 of 151
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
517 offices of 199 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.