Branch Network
Emigrant Bank Locations & Branches Miami, Florida
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Emigrant Bank operates 7 branches from its headquarters in Miami, FL, .
Emigrant Bank branch network
Its 7 branches span 2 states and 4 cities. The most are in NEW YORK (5) and FLORIDA (2). NEW YORK holds 100.0% of its branch deposits. Ossining, NY has the most of its branches, 4. Its largest office by deposits is the Emigrantdirect.Com Branch office in Ossining, NY, with $1.38B (33.0% of its branch deposits). On June 30, 2025 it had 6 branches, 1 fewer than in 2026.
Emigrant Bank at a glance
Its CET1 capital ratio was 17.43% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $5.68B
- CET1 ratio, Q2 2026
- 17.43%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 2001
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Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Miami, FL (1 branch) | 46 of 46 | <0.1% | $318K |
| State: FL (2 branches) | 185 of 186 | <0.1% | $319K |
| Largest deposit state: NY (5 branches) | 43 of 176 | 0.2% | $4.18B |
Ranked by total assets among banks headquartered in the state: Largest banks in Florida.
Share by county and metro area
Emigrant Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Westchester, NY (4 branches) | 6 of 31 | 1.2% | $3.35B | $274.05B |
| New York, NY (1 branch) | 40 of 83 | <0.1% | $829.7M | $1.91T |
| Miami-Dade, FL (1 branch) | 57 of 58 | <0.1% | $318K | $210.72B |
| Palm Beach, FL (1 branch) | 51 of 56 | <0.1% | $1K | $66.25B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (5 branches) | 42 of 156 | 0.1% | $4.18B | $2.92T |
| Miami-Fort Lauderdale-Pompano Beach, FL (2 branches) | 81 of 86 | <0.1% | $319K | $347.86B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 57083) · FFIEC NIC profile (RSSD 137915)