Emigrant Bank: Asset Quality
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Data as of · Call Report Schedules RC-N and RI-B How we update
On its Q2 2026 filing, Emigrant Bank reported 32 of the 33 line items on this page. It did not report net charge-offs, automobile loans. Non-performing loans to total loans was 4.77% in Q2 2026, down 0.37 percentage points from 5.14% in Q2 2025. Across the 12 quarters shown it ranged from 4.22% (Q1 2026) to 5.91% (Q4 2024).
What the asset quality page covers and where each line comes from.
Open the full credit quality analysis: past due, nonaccrual and charge-offs by loan type, the allowance rollforward and its split by loan segment, each ratio's parts, and peers over many quarters.
The standout move of Q2 2026 was in Multifamily loans past due or nonaccrual: 37.0% higher than in Q1 2026, at $12.9M. Emigrant Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) of 4.77% is the 2nd-highest of the 79 banks headquartered in Florida (Q2 2026), which puts it in the weaker half on this measure. Emigrant Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) of 4.77% is well above the 0.52% median for banks in the $1B-10B asset tier, a gap of 4.25 points (Q2 2026).
Non-performing assets
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to total loans | 4.77% |
| Nonaccrual loans to loans | 4.77% |
| Loans 90+ days past due to loans | 0.00% |
| Non-performing assets ratio | 3.46% |
| Non-performing assets to total assets | 3.46% |
| Other real estate owned | $6.6M |
| Other real estate owned to assets | 0.12% |
Source: Call Report Schedules RC-N and RI-B. Open the filed call report for Q2 2026 on the FFIEC CDR.
Reserves and coverage
| Line item | Q2 2026 |
|---|---|
| Allowance for credit losses on loans | $78.7M |
| Allowance to total loans | 1.98% |
| Reserve coverage of non-performing loans | 41.41% |
| Reserve coverage of non-performing assets | 40.02% |
| Provision for credit losses | $6.2M |
Source: Call Report Schedules RC-N and RI-B. Open the filed call report for Q2 2026 on the FFIEC CDR.
Commercial real estate credit
| Line item | Q2 2026 |
|---|---|
| Multifamily loans on nonaccrual | $8.4M |
| Multifamily nonaccrual rate | 1.58% |
| Multifamily noncurrent rate | 1.58% |
| Multifamily loans past due or nonaccrual | $12.9M |
| Commercial property loans on nonaccrual | $102.1M |
| Commercial property nonaccrual rate | 22.27% |
| Commercial property noncurrent rate | 22.27% |
| Commercial property loans past due or nonaccrual | $103.5M |
| Construction and land loans on nonaccrual | $0 |
| Construction and land nonaccrual rate | 0.00% |
Nonaccrual loans have stopped accruing interest. Noncurrent adds loans 90 or more days past due and still accruing. Past due and nonaccrual adds loans 30 or more days late, which includes loans past their maturity date and not repaid. Rates are over each property type's own loan balance.
Source: Call Report Schedules RC-N and RI-B. Open the filed call report for Q2 2026 on the FFIEC CDR.
Credit card loans
| Line item | Q2 2026 |
|---|---|
| Credit card noncurrent rate | 0.00% |
Noncurrent card loans are 90 or more days past due and still accruing, or on nonaccrual, over the bank's credit card loans.
Source: Call Report Schedules RC-N and RI-B. Open the filed call report for Q2 2026 on the FFIEC CDR.
Charge-offs
| Line item | Q2 2026 |
|---|---|
| Net charge-off ratio | 0.08% |
| Net charge-offs to average loans | 0.08% |
| Net charge-offs, credit cards | 0.00% |
| Net charge-offs, automobile loans | — |
| Net charge-offs, consumer | -4.18% |
| Net charge-offs, construction and development | 0.00% |
| Net charge-offs, multifamily | 0.00% |
Source: Call Report Schedules RC-N and RI-B. Open the filed call report for Q2 2026 on the FFIEC CDR.
Capital at risk
| Line item | Q2 2026 |
|---|---|
| Texas ratio | 16.59% |
| Non-performing assets to equity | 16.20% |
| Non-performing assets to tangible equity and reserves | 16.59% |
Source: Call Report Schedules RC-N and RI-B. Open the filed call report for Q2 2026 on the FFIEC CDR.
Asset Quality trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Above 100% means reserves fully cover recognized non-performing loans.
A line with no points means the bank holds no loans of that type.
Readings above 100% have historically signalled acute distress.
Asset Quality by quarter
| Quarter | NPL ratio | Net charge-off ratio | Reserve coverage | Multifamily | Commercial property |
|---|---|---|---|---|---|
| Q3 2023 | 5.48% | -0.01% | 30.50% | 1.33% | 18.42% |
| Q4 2023 | 5.47% | 2.00% | 28.61% | 1.13% | 16.80% |
| Q1 2024 | 5.06% | -0.01% | 31.02% | 1.19% | 16.72% |
| Q2 2024 | 4.99% | -0.02% | 32.05% | 1.32% | 16.80% |
| Q3 2024 | 4.98% | -0.17% | 31.91% | 1.39% | 16.59% |
| Q4 2024 | 5.91% | 2.19% | 29.78% | 1.34% | 24.95% |
| Q1 2025 | 4.99% | 0.93% | 41.03% | 1.27% | 18.39% |
| Q2 2025 | 5.14% | -0.01% | 41.53% | 1.39% | 18.05% |
| Q3 2025 | 4.76% | 0.52% | 43.04% | 1.20% | 17.93% |
| Q4 2025 | 4.49% | 0.03% | 46.60% | 1.21% | 20.67% |
| Q1 2026 | 4.22% | 1.27% | 43.54% | 1.41% | 23.25% |
| Q2 2026 | 4.77% | 0.08% | 41.41% | 1.58% | 22.27% |
Emigrant Bank asset quality, quarter by quarter
Asset Quality since Q2 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-N and RI-B, Q2 2026. How these pages are built. See the full Emigrant Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57083) · FFIEC NIC profile (RSSD 137915)