ES Bancshares, Inc. is a holding company for Empire State Bank (the Bank). The Bank’s wholly owned subsidiaries include Iron Creek LLC and North Plank Realty Inc. II. The Bank is a full-service commercial bank that offers a range of financial services to meet the needs of communities in its market area. The Bank attracts deposits from the general public and uses such deposits to originate commercial loans, commercial revolving lines of credit and term loans, including The United States Department of Agriculture (USDA) and small business administration (SBA) guaranteed loans, commercial real estate, mortgage loans secured by one-to four-family residences and to a lesser extent construction and land loans. The Bank also invests in mortgage-backed and other securities permissible for a New York State chartered commercial bank. The Bank’s primary market area for deposits and lending includes the communities of Richmond, Kings and Orange counties in New York, the United States.