Empire State Bank

Headquarters: Staten Island, New York
Charter: Bank
Assets: $617.8M
Fed district: New York
Regulator: Federal Reserve
Holding company: Es Bancshares Inc.

19 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 13, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 13, 2026

How these figures are measured

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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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

Details

Source: FDIC BankFind Suite (call report data)
Entity: Empire State Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Compared at $25, the middle of its prices
Empire State Bank: $20 to $30
Empire State Bank: $20 to $30
U.S. median: no median
Foreign Transaction
Empire State Bank: $5
Empire State Bank: $5
U.S. median: no median
Wire Transfer (Domestic Out)
Empire State Bank: $20
Empire State Bank: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 13, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 45% from Q3 2025 to Q2 2026, to $148K.

Service-charge income, Q2 2026

$148K

$102KQ3 2025

$111KQ4 2025

$121KQ1 2026

$148KQ2 2026

Against the median

Empire State BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

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.

Banks only
$609M to $637M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

Empire State Bank does not publish a monthly maintenance fee in the index.

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.

Empire State BankPeer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Empire State Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $148K
vs prior quarter: +$27K+22.3%; from Q1 2026
vs a year earlier: +$52K+54.2%; from Q2 2025
vs start of range: +$53K+55.8%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Empire State Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

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%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Empire State Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Early Closure (closed within 6 months of account opening)$10
Undeliverable Mail$10

Overdraft & NSF

Insufficient Funds$30
per item
Insufficient Funds$20
per item
Savings to Checking Overdraft Transfer$10
Not compared: Daily charge, not per item
per day

ATM & Card

Visa Debit Card Replacement$15
per item
Rush Order$40
per item · Per card
Debit Card International Transaction$5
per transaction

Wire Transfers

Wire Transfer Services: Domestic - Outgoing$20
per item
Wire Transfer Services: Foreign - Outgoing$30
per item
Wire Transfer Services: Foreign - Incoming$30
per item

Check Services

Cashier's Checks$10
per item
Stop Payment$30
per item
Counter Checks$1
per item
International Collection Item$50
per item

Cash & Deposit

Deposited Item Returned$10
per item
Night Depository Key$5
per item

Account Services

Notary Service$2
per item
Drilling$200
Not compared: Box drilling or key fee
Safe Deposit Box 10 X 10$200
Safe Deposit Box 3 X 10$75
Safe Deposit Box 3 X 5$50
Safe Deposit Box 5 X 10$110
Safe Deposit Box 5 X 5$65
Legal Process (attachments, restraining notices, executions, summons & subpoenas)$100
per item

Other Fees

Copy of Statement, Paid Check or Deposited Item$10
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Early Closure (closed within 6 months of account opening)	$10	Not stated	None
Undeliverable Mail	$10	Not stated	None
Overdraft & NSF
Insufficient Funds	$30	per item	None
Insufficient Funds	$20	per item	None
Savings to Checking Overdraft Transfer	$10Not compared: Daily charge, not per item	per day	None
ATM & Card
Visa Debit Card Replacement	$15	per item	None
Rush Order	$40	per item	Per card
Debit Card International Transaction	$5	per transaction	None
Wire Transfers
Wire Transfer Services: Domestic - Outgoing	$20	per item	None
Wire Transfer Services: Foreign - Outgoing	$30	per item	None
Wire Transfer Services: Foreign - Incoming	$30	per item	None
Check Services
Cashier's Checks	$10	per item	None
Stop Payment	$30	per item	None
Counter Checks	$1	per item	None
International Collection Item	$50	per item	None
Cash & Deposit
Deposited Item Returned	$10	per item	None
Night Depository Key	$5	per item	None
Account Services
Notary Service	$2	per item	None
Drilling	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 X 10	$200	Not stated	None
Safe Deposit Box 3 X 10	$75	Not stated	None
Safe Deposit Box 3 X 5	$50	Not stated	None
Safe Deposit Box 5 X 10	$110	Not stated	None
Safe Deposit Box 5 X 5	$65	Not stated	None
Legal Process (attachments, restraining notices, executions, summons & subpoenas)	$100	per item	None
Other Fees
Copy of Statement, Paid Check or Deposited Item	$10	per item	None

Correct a fee source

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.

Fee change alerts

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