PackageTrendsPeer
Letter portraitLegal landscape

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 75thStandingRank8-Qtr TrendPeer 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