Where is Empire State Bank located?

Empire State Bank is located at 1441 South Ave, Ste 705, Staten Island, NY 10314.

How can I contact Empire State Bank?

You can contact Empire State Bank by phone at (866) 646-0003.

Empire State Bank

About

New York community bank serving Hudson Valley and NYC metro area with full line of business deposit and lending products, checking accounts, commercial real estate loans, and digital banking solutions.

Reviews & Ratings

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SBA 7(a) Lending Analytics

SBA 7(a) Acquisition Loan Data As Of June 30, 2025

SBA Acquisition Loan Activity

Last 12 Months

0

Last 3 Years

1

YoY Growth

+0.0%

no activity

Loan Size Distribution

As Of June 30, 2025

Median

$4.8M

Average

$4.8M

Interest Rate Analysis

All rates shown as spread over Prime Rate

Rate Distribution

Median Rate:Prime + 1.75%

Typical Range:Prime + 1.75% - 1.75%

Min / Max:Prime + 1.75% / 1.75%

Market Comparison

This Lender

Prime + 1.75%

Market Average

Prime + 1.25%

50 bps above market

Default Rate & Risk Profile

As Of June 30, 2025 - 10-year default rate indicates underwriting quality

10-Year Default Rate

0.0%

Bottom 10% of Lenders (Highest Default Rate)

Performance Ranking

100th

Lower is better among all lenders

Geographic Loan Distribution

As Of June 30, 2025 - States by loan volume (darker blue = higher volume)

Low

Medium

High

Very High