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Letter portraitLegal landscapeQuarterYTD

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