Emigrant Mercantile Bank
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Data as of · sourced from FFIEC call reports. How we update
Emigrant Mercantile Bank is an FDIC-insured commercial bank headquartered in New York, NY, established in 2004 (FDIC certificate 57834), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.5M, down 0.3% from Q2 2025, the 105th largest of 105 banks headquartered in New York.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57834
- Headquarters
- New York, NY
- Established
- 2004
- Total assets, Q2 2026
- $3.5M
- Assets vs Q2 2025
- -0.3%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 026013916
- Latest call report
- Q2 2026, FFIEC 041 · Emigrant Mercantile Bank call report
- Holding company
- EMIGRANT BANCORP, INC.
- Asset rank in state
- 105th of 105 in New York
Emigrant Mercantile Bank, based in New York, New York, reported $3.5 million in assets at June 30, 2026. It pays an average of 0.00% on its deposits and borrowings, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.53%). It also holds common equity equal to 428.69% of its risk-weighted assets, 19.4 times the median of 22.08% for banks its size.
Earnings jumped: net income for the quarter was $7,000, 133% above the same quarter a year earlier. Profitability lags: it returns 0.9% a year on shareholders' equity, a small fraction of the median of 8.6% for banks its size.
As of June 30, 2026, Emigrant Mercantile Bank reported a CET1 capital ratio of 428.69%, a return on assets of 0.80% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Emigrant Mercantile Bank is the smallest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets were flat, deposits were flat. The FDIC Summary of Deposits lists a single office for it, in New York, NY. On its Q2 2026 call report, Emigrant Mercantile Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6 E 43rd St, New York, NY 10017
- County
- New York
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 9, 2004
- Domestic offices
- 1 FDIC institution directory, current count
- Domestic deposits
- $500K
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $3.5M
- Average total loans
- $0
- Average interest-bearing deposits
- $0
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 9, 2004
- FDIC Cert
- 57834
- Fed RSSD
- 3268173
- SEC CIK
- 1317661 → filed by NEW YORK PRIVATE BANK & TRUST CORPORATION
- Parent Holding Company
- EMIGRANT BANCORP, INC. (RSSD 2089036)
- Ultimate Parent
- NEW YORK PRIVATE BANK & TRUST CORPORATION (RSSD 3212091)
Profitability
Q2 annualizedAsset Quality
Capital & 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 Mercantile Bank's total assets moved between a low of $3.4M (Q3 2023) and a high of $3.5M (Q3 2024) from Q3 2023 to Q2 2026, and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.5M total assets against $3.5M; $501K total liabilities against $520K.
$0 net loans and leases against $0; $500K total deposits against $500K.
$0 securities against $0; $3.5M cash and balances due against $3.5M.
$28K total interest income against $34K; $0 total interest expense against $0.
$28K net interest income against $34K.
$0 total noninterest income against $0; $20K total noninterest expense against $30K.
No provision recorded in the last 12 quarters.
$7K net income against $3K.
0.80% return on assets against 0.35%; 3.22% net interest margin against 3.95%.
428.69% CET1 capital ratio against 427.26%; 85.67% tier 1 leverage ratio against 85.72%.
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21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.49% (Q4 2024) to 2.08% (Q1 2025) and its net interest margin ran from 3.22% (Q1 2026) to 5.07% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 428.69% | 0.80% | — | 0.00% | 3.22% |
| Q1 2026 | 427.69% | -0.23% | — | 0.00% | 3.22% |
| Q4 2025 | 428.59% | 0.11% | — | 0.00% | 3.58% |
| Q3 2025 | 427.83% | 0.46% | — | 0.00% | 4.06% |
| Q2 2025 | 427.26% | 0.35% | — | 0.00% | 3.95% |
| Q1 2025 | 418.42% | 2.08% | — | 0.00% | 3.96% |
| Q4 2024 | 420.63% | -1.49% | — | 0.00% | 4.28% |
| Q3 2024 | 425.50% | 1.38% | — | 0.00% | 5.07% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Emigrant Mercantile Bank (main office) | New York , NY | 10017 | $500K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 176 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Mercantile Bank
What are Emigrant Mercantile Bank's total assets?
As of the Q2 2026 filing, Emigrant Mercantile Bank reported total assets of $3.5 million in its FFIEC call report.
Where is Emigrant Mercantile Bank headquartered?
It is headquartered in New York, NY, United States.
When was Emigrant Mercantile Bank founded?
It was established in 2004, per the FDIC institution directory.
Is Emigrant Mercantile Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57834). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Emigrant Mercantile Bank?
Emigrant Mercantile Bank's primary federal regulator is the FDIC.
What is Emigrant Mercantile Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 428.69% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Emigrant Mercantile Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Emigrant Mercantile Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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