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Emigrant Mercantile Bank

New York, NY · Cert 57834 · New York Private B&T Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=31). 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

97

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

39

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 2026-10-10

Emigrant Mercantile Bank

New York, NY · Cert 57834 · New York Private B&T Corp.

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

Q2 2026

$3.5MAssets
$0KLoans
$500KDeposits
$3.0MEquity
Deposit mix
0%Interest-bearing $0K100%Noninterest $500KQ3 2024Q2 2026

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #143 of 151 inst. · $0.0B of $2921.1B

Executive Summary

  • Earnings: ROA of 0.29%, down 92 bps year over year; NIM at 3.21%.
  • Capital: tier 1 leverage ratio of 85.67%, down 6 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.29%-92 bps YoY

Net Interest Margin (YTD, annualized)

3.21%-70 bps YoY

Efficiency Ratio (YTD, annualized)

89.29%+3,193 bps YoY

Tier 1 Leverage Ratio

85.67%-6 bps YoY

NIM

4.97%Q2 ’243.91%Q2 ’253.21%Q2 ’26-21%-18%

Non-interest income vs. expense

2.08%Q2 ’242.25%Q2 ’252.87%Q2 ’26+8%+28%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.85%1.01%2.07%1.20%0.95%0.74%-0.23%0.29%-92 bps
Return on Equity2.17%1.19%2.43%1.41%1.12%0.87%-0.27%0.34%-108 bps
Net Interest Margin4.97%4.79%3.92%3.91%3.93%3.84%3.21%3.21%-70 bps
Efficiency Ratio49.23%71.26%26.47%57.35%66.02%73.13%107.14%89.29%+3,193 bps
Non-Interest Burden2.45%3.41%1.04%2.25%2.60%2.81%3.44%2.87%+62 bps
Growth
Asset Growth (YoY)2.01%1.69%0.72%0.46%-0.14%0.00%0.26%-0.26%-72 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio85.22%84.83%85.78%85.72%85.40%85.47%85.42%85.67%-6 bps
Total Risk-Based Capital426%421%418%427%428%429%428%429%+143 bps
Equity / Assets84.91%84.70%85.46%85.13%85.37%85.45%85.42%85.64%+51 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets99.66%98.74%98.56%98.97%99.14%99.31%99.66%99.74%+77 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%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.

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

Emigrant Mercantile Bank

New York, NY · Cert 57834 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=31) · New York Private B&T Corp.

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

Q2 2026

$3.5MAssets
$0KLoans
$500KDeposits
$3.0MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 97% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 1 of 31).
  • Widest gap: return on equity trails 74% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 23 of 31).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.29%

Rank 18 of 31

Net Interest Margin

3.21%

Rank 18 of 31

Efficiency Ratio

89.29%

Rank 20 of 31

Equity / Assets

85.64%

Rank 1 of 31

Non-interest income vs. expense

$0K$100KINCOMEEXPENSE
Unfavorable gap of $100K · efficiency ratio beats 39% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 89.29%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.29%-0.02%0.39%0.84%Beats 42%18 / 31
Return on Equity0.33%-0.19%2.57%5.72%Beats 26%23 / 31
Net Interest Margin3.21%2.51%3.30%3.85%Beats 42%18 / 31
Efficiency Ratio89.29%68.41%83.66%91.76%Beats 39%20 / 31
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio429%13.24%15.54%26.77%Beats 97%1 / 31
Total Risk-Based Capital Ratio429%14.07%16.32%26.77%Beats 97%1 / 31
Equity / Assets85.64%10.38%13.26%17.83%Beats 97%1 / 31
Liquidity & Funding
Loans / Deposits0.00%84.03%94.98%103.65%0th pctl31 / 31
Loans / Assets0.00%61.61%75.31%83.78%0th pctl31 / 31
Brokered Deposits / Depositsn/aNot reported for this institution