BanksEMIGRANT BANK

EMIGRANT BANK

MIAMI, FLLargeEst. Sept. 14, 2001, midnightFDIC #57083RSSD #137915FDIC
Latest · 2025-12-31

EMIGRANT BANK is an FDIC-insured commercial bank headquartered in MIAMI, FL, established in Sept. 14, 2001, midnight. As of 2025-12-31, the bank reported total assets of $5.8B and total deposits of $4.3B. Profitability stands at 0.75% ROA and 3.59% ROE, with a net interest margin of 3.83%. CET1 capital ratio: 17.51%, well above regulatory minimums. NPL ratio: 4.49% · Texas Ratio: 14.64%. Operates 6 domestic branches.

Assets
$5.8B
Deposits
$4.3B
Loans
$4.1B
Equity
$1.2B

Profitability

Return on Assets (ROA)0.75%
Return on Equity (ROE)3.59%
Net Interest Margin3.83%
Yield on Assets6.54%
Cost of Funds3.34%

Asset Quality

NPL Ratio4.49%
Net Charge-Off Ratio0.37%
Texas Ratio14.64%
NPA Ratio3.30%
ACL / Loans2.09%

Capital & Liquidity

CET1 Ratio17.51%
Tier 1 Capital17.51%
Total Capital Ratio18.76%
Leverage Ratio19.96%
Loan-to-Deposit95.05%

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