Emigrant Bank
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Data as of · sourced from FFIEC call reports. How we update
Emigrant Bank is an FDIC-insured commercial bank headquartered in Miami, FL, established in 2001 (FDIC certificate 57083), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $5.68B, down 1.7% from Q2 2025, the 11th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 17.43% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57083
- Headquarters
- Miami, FL
- Established
- 2001
- Total assets, Q2 2026
- $5.68B
- Assets vs Q2 2025
- -1.7%
- CET1 ratio, Q2 2026
- 17.43%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 066015181
- Holding company
- EMIGRANT BANCORP, INC.
- Asset rank in state
- 11th of 81 in Florida
Emigrant Bank, based in Miami, Florida, reported $5.7 billion in assets at June 30, 2026, down 1.7% from a year earlier. It returns 3.3% a year on shareholders' equity, a small fraction of the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it funds 20.30% of its assets with Tier 1 capital, about double the median of 10.52% for banks its size.
The non-owner-occupied commercial real estate book ($458 million) is worsening: 22.58% of it is past due or on nonaccrual, up from 18.08% a year earlier. Earnings fell sharply: quarterly net income of $9.9 million was 37% below a year earlier. Credit is the area to watch: it carries problem assets equal to 16.6% of the capital and reserves that would absorb them, 4.6 times the median of 3.6% for banks its size.
As of June 30, 2026, Emigrant Bank reported a CET1 capital ratio of 17.43%, a return on assets of 0.70%, a nonperforming-loan ratio of 4.77% and a Texas ratio of 16.59%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Emigrant Bank is the 11th largest of the 81 banks headquartered in Florida. Between Q1 2026 and Q2 2026, its total assets fell 3.0% to $5.68B, loans fell 0.2% and deposits fell 4.5%. Commercial and industrial loans made up 47.7% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 13.4%. The FDIC Summary of Deposits lists 7 offices for it, in 4 cities across 2 states; its Ossining 4 offices book 80% of its branch deposits. Judged on its Q2 2026 call report, Emigrant Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 S Biscayne Blvd, Miami, FL 33131
- County
- Miami-Dade
- Metro Area
- Miami-Fort Lauderdale-West Palm Beach, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- September 14, 2001
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 420
- Domestic deposits
- $4.18B
- Allowance for credit losses
- $78.7M
- Net charge-offs (YTD)
- $13.5M
- Average total assets
- $5.70B
- Average total loans
- $3.94B
- Average interest-bearing deposits
- $4.56B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 14, 2001
- FDIC Cert
- 57083
- Fed RSSD
- 137915
- SEC CIK
- 1317661 → filed by NEW YORK PRIVATE BANK & TRUST CORPORATION
- Website
- www.emigrant.com →
- Parent Holding Company
- EMIGRANT BANCORP, INC. (RSSD 2089036)
- Ultimate Parent
- NEW YORK PRIVATE BANK & TRUST CORPORATION (RSSD 3212091)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Emigrant Bank's total assets moved between a low of $5.68B (Q2 2026) and a high of $6.41B (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.68B total assets against $5.78B; $4.47B total liabilities against $4.64B.
$3.90B net loans and leases against $4.05B; $4.18B total deposits against $4.42B.
$246.4M securities against $222.6M; $496.2M cash and balances due against $505.3M.
$82.6M total interest income against $90.4M; $32.1M total interest expense against $38.5M.
$50.5M net interest income against $51.9M.
$40.5M total noninterest income against $20.6M; $66.1M total noninterest expense against $66.7M.
$6.2M provision for credit losses against $3.6M.
$9.9M net income against $15.9M.
0.70% return on assets against 1.10%; 3.84% net interest margin against 3.83%.
17.43% CET1 capital ratio against 16.40%; 20.30% tier 1 leverage ratio against 18.60%.
Inside the full Emigrant Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Emigrant Bank rankings
Its closest position to the top of a national ranking is 252 of 4,196, for total assets; its furthest is 861 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.10% (Q4 2024) to 4.15% (Q3 2025) and its net interest margin ran from 3.53% (Q1 2025) to 4.38% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.43% | 0.70% | 4.77% | 16.59% | 3.84% |
| Q1 2026 | 17.90% | 0.48% | 4.22% | 14.91% | 4.19% |
| Q4 2025 | 17.51% | 0.76% | 4.49% | 16.12% | 3.82% |
| Q3 2025 | 17.56% | 4.15% | 4.76% | 16.91% | 4.38% |
| Q2 2025 | 16.40% | 1.10% | 5.14% | 19.46% | 3.83% |
| Q1 2025 | 16.42% | -0.43% | 4.99% | 19.40% | 3.53% |
| Q4 2024 | 16.47% | -1.10% | 5.91% | 23.77% | 4.20% |
| Q3 2024 | 21.49% | 2.99% | 4.98% | 15.97% | 4.15% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Emigrantdirect.Com Branch | Ossining , NY | 10562 | $1.38B |
| Dollar Savings Direct Branch | Ossining , NY | 10562 | $1.15B |
| Emigrant Bank Branch | New York , NY | 10017 | $829.7M |
| My Savings Direct Branch | Ossining , NY | 10562 | $822.3M |
| Ossining Branch | Ossining , NY | 10562 | $3.2M |
| Emigrant Bank (main office) | Miami , FL | 33131 | $318K |
| West Palm Branch | West Palm Beach , FL | 33401 | $1K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2023 | Structure Change | Acquired Plus International Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2013 | Structure Change | Acquired Emigrant Savings Bank - Long Island Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2005 | Structure Change | Split | FFIEC NIC |
| February 22, 1992 | Structure Change | Acquired Dollar DRY Dock Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 23, 1979 | Structure Change | Acquired Prudential Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 185 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $195K approved, $195K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Emigrant Bank
What are Emigrant Bank's total assets?
As of the Q2 2026 filing, Emigrant Bank reported total assets of $5.68 billion in its FFIEC call report.
Where is Emigrant Bank headquartered?
It is headquartered in Miami, FL, United States.
When was Emigrant Bank founded?
It was established in 2001, per the FDIC institution directory.
Is Emigrant Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57083). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Emigrant Bank?
Emigrant Bank's primary federal regulator is the FDIC.
What is Emigrant Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.43% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Emigrant Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Emigrant Bank's Texas Ratio?
Its Texas Ratio is 16.59% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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