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
Unfavorable gap of $100K · efficiency ratio beats 39% of banks under $1B 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 | 0.29% | -0.02% | 0.39% | 0.84% | Beats 42% | 18 / 31 | |
| Return on Equity | 0.33% | -0.19% | 2.57% | 5.72% | Beats 26% | 23 / 31 | |
| Net Interest Margin | 3.21% | 2.51% | 3.30% | 3.85% | Beats 42% | 18 / 31 | |
| Efficiency Ratio | 89.29% | 68.41% | 83.66% | 91.76% | Beats 39% | 20 / 31 | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 429% | 13.24% | 15.54% | 26.77% | Beats 97% | 1 / 31 | |
| Total Risk-Based Capital Ratio | 429% | 14.07% | 16.32% | 26.77% | Beats 97% | 1 / 31 | |
| Equity / Assets | 85.64% | 10.38% | 13.26% | 17.83% | Beats 97% | 1 / 31 | |
| Liquidity & Funding |
| Loans / Deposits | 0.00% | 84.03% | 94.98% | 103.65% | 0th pctl | 31 / 31 | |
| Loans / Assets | 0.00% | 61.61% | 75.31% | 83.78% | 0th pctl | 31 / 31 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |