Bank Comparison
Brown Brothers Harriman Trust Company, N.A. vs Emigrant Mercantile Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
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4 · 2
winning metrics across 8 scored rows (2 tied)
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Capital adequacy
| Metric | Brown Brothers Harriman Trust Company, N.A. | Emigrant Mercantile Bank |
|---|---|---|
| CET1 Ratio | — | 428.69% |
| Tier 1 Capital Ratio | — | 428.69% |
| Total Capital Ratio | — | 428.69% |
| Tier 1 Leverage Ratio | 67.65% | 85.67% |
| Equity / Assets | 68.73% | 85.64% |
Profitability
| Metric | Brown Brothers Harriman Trust Company, N.A. | Emigrant Mercantile Bank |
|---|---|---|
| Return on Assets (ROA) | 10.52% | 0.80% |
| Return on Equity (ROE) | 15.83% | 0.94% |
| Net Interest Margin (NIM) | 4.93% | 3.22% |
| Yield on Earning Assets | 4.93% | 3.22% |
| Cost of Funds | — | 0.00% |
Asset quality
| Metric | Brown Brothers Harriman Trust Company, N.A. | Emigrant Mercantile Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | — | — |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | — | — |
| ACL / Loans | — | — |
Balance sheet
| Metric | Brown Brothers Harriman Trust Company, N.A. | Emigrant Mercantile Bank |
|---|---|---|
| Total Assets | $16.1M | $3.5M |
| Total Deposits | $0 | $500K |
| Total Loans | $0 | $0 |
| Total Equity | $11.1M | $3.0M |
| Net Income (quarter) | $430K | $7K |
Liquidity & funding
| Metric | Brown Brothers Harriman Trust Company, N.A. | Emigrant Mercantile Bank |
|---|---|---|
| Loan-to-Deposit Ratio | — | 0.00% |
| Core Deposit Ratio | — | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Brown Brothers Harriman Trust Company, N.A. | Emigrant Mercantile Bank |
|---|---|---|
| Headquarters City | New York | New York |
| Headquarters State | NY | NY |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | — | FDIC |
| Domestic Branches | — | 1 |
| Employees (FTE) | 33 | 0 |
| Established | — | July 9, 2004 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Brown Brothers Harriman Trust Company, N.A. profile | View full Emigrant Mercantile Bank profile | Browse all bank comparisons