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Emigrant Bank

Miami, FL · Cert 57083 · New York Private B&T Corp.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

73

Q2 2024Q2 2026peer median (50)

Asset Quality

7

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

14

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Emigrant Bank

Miami, FL · Cert 57083 · New York Private B&T Corp.

State charter, non-member · FDIC · 1 affiliate bank · 7 branches (8 in holding)

Q2 2026

$5.7BAssets
$4.0BLoans
$4.2BDeposits
$1.2BEquity
Loan mix
45%RE $1.6B54%C&I $1.9B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $4.0B5%Noninterest $0.2BQ2 2025Q2 2026

NIM

6.89%Q2 ’246.26%Q2 ’256.11%Q2 ’26-8%+9%

Non-interest income vs. expense

3.74%Q2 ’244.46%Q2 ’254.51%Q2 ’26+6%-23%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.1% share · #42 of 151 inst. · $4.2B of $2921.1B

1.2% Westchester
0.0% New York
0.0% Miami-Dade
0.0% Palm Beach

Executive Summary

  • Earnings: ROA of 0.60%, up 28 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 4.77% of loans (-37 bps YoY), with net charge-offs at 0.68%.
  • Capital: tier 1 leverage ratio of 20.30%, up 170 bps from a year ago.
  • Funding: loans stand at 95.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.60%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+32 bps YoY

Efficiency Ratio (YTD, annualized)

79.91%-2,004 bps YoY

Tier 1 Leverage Ratio

20.30%+170 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%11.54%1.35%0.50%0.60%+28 bps
Return on Equity1.64%7.92%6.82%2.38%2.83%+119 bps
Net Interest Margin3.59%3.81%3.74%3.95%3.91%+32 bps
Efficiency Ratio99.95%70.89%70.85%89.54%79.91%-2,004 bps
Non-Interest Burden3.52%1.84%1.69%3.40%2.70%-82 bps
Growth
Asset Growth (YoY)-7.61%-7.33%-7.03%-1.67%-1.70%+591 bps
Loan Growth (YoY)-11.13%-8.50%-4.70%-3.93%-3.77%+736 bps
Deposit Growth (YoY)-4.03%-4.72%-11.39%-4.83%-5.29%-127 bps
Asset Quality
Nonperforming Loans / Loans5.14%4.76%4.49%4.22%4.77%-37 bps
Net Charge-Offs / Loans0.46%0.49%0.37%1.27%0.68%+21 bps
Allowance / Loans2.13%2.05%2.09%1.84%1.98%-16 bps
Allowance Coverage of NPLs0.4x0.4x0.5x0.4x0.4x0.0x
Capital
Tier 1 Leverage Ratio18.60%19.90%19.96%19.17%20.30%+170 bps
Total Risk-Based Capital17.65%18.81%18.76%19.15%18.68%+102 bps
Equity / Assets19.84%20.80%20.92%20.77%21.37%+152 bps
Liquidity & Funding
Loans / Deposits93.62%93.93%95.05%91.05%95.13%+151 bps
Liquid Assets / Assets8.54%11.14%9.06%12.01%8.63%+10 bps
CRE / Total Capitaln/a124.36%118.16%104.89%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it. 1 One-time gains made up most of net income in the marked periods.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Emigrant Bank

Miami, FL · Cert 57083 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · New York Private B&T Corp.

State charter, non-member · FDIC · 1 affiliate bank · 7 branches (8 in holding)

Q2 2026

$5.7BAssets
$4.0BLoans
$4.2BDeposits
$1.2BEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 94% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 2 of 36).
  • Widest gap: nonperforming loans / loans trails 97% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 36 of 36).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.60%

Rank 30 of 36

Net Interest Margin

3.91%

Rank 8 of 36

Efficiency Ratio

79.91%

Rank 31 of 35

Equity / Assets

21.37%

Rank 2 of 36

Non-interest income vs. expense

$103.0M$256.7MINCOMEEXPENSE
Unfavorable gap of $153.8M · efficiency ratio beats 14% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 79.91%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.60%0.65%1.00%1.72%Beats 17%30 / 36
Return on Equity2.83%5.35%9.30%13.56%Beats 11%31 / 35
Net Interest Margin3.91%2.66%3.13%3.63%Beats 78%8 / 36
Efficiency Ratio79.91%52.19%63.09%75.14%Beats 14%31 / 35
Asset Quality
Nonperforming Loans / Loans4.77%0.46%0.84%1.59%Beats 3%36 / 36
Net Charge-Offs / Loans0.35%n/a0.03%0.14%Beats 11%33 / 36
Capital
Tier 1 Capital Ratio17.43%13.13%14.78%18.34%Beats 61%14 / 36
Total Risk-Based Capital Ratio18.68%13.73%15.96%19.27%Beats 64%13 / 36
Equity / Assets21.37%9.80%11.58%14.82%Beats 94%2 / 36
Liquidity & Funding
Loans / Deposits95.13%81.12%95.13%103.24%50th pctl18 / 36
Loans / Assets70.09%67.44%76.31%84.79%33rd pctl24 / 36
Brokered Deposits / Depositsn/aNot reported for this institution