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
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 | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.65% | 1.00% | 1.72% | Beats 17% | 30 / 36 | |
| Return on Equity | 2.83% | 5.35% | 9.30% | 13.56% | Beats 11% | 31 / 35 | |
| Net Interest Margin | 3.91% | 2.66% | 3.13% | 3.63% | Beats 78% | 8 / 36 | |
| Efficiency Ratio | 79.91% | 52.19% | 63.09% | 75.14% | Beats 14% | 31 / 35 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.77% | 0.46% | 0.84% | 1.59% | Beats 3% | 36 / 36 | |
| Net Charge-Offs / Loans | 0.35% | n/a | 0.03% | 0.14% | Beats 11% | 33 / 36 | |
| Capital |
| Tier 1 Capital Ratio | 17.43% | 13.13% | 14.78% | 18.34% | Beats 61% | 14 / 36 | |
| Total Risk-Based Capital Ratio | 18.68% | 13.73% | 15.96% | 19.27% | Beats 64% | 13 / 36 | |
| Equity / Assets | 21.37% | 9.80% | 11.58% | 14.82% | Beats 94% | 2 / 36 | |
| Liquidity & Funding |
| Loans / Deposits | 95.13% | 81.12% | 95.13% | 103.24% | 50th pctl | 18 / 36 | |
| Loans / Assets | 70.09% | 67.44% | 76.31% | 84.79% | 33rd pctl | 24 / 36 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |