Bank Safety Analysis
Is Emigrant Mercantile Bank Safe?
Emigrant Mercantile Bank passes all 4 regulatory safety dimensions, with capital, asset quality, and stress buffers above supervisory concern bands. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in return on assets: 1.03 percentage points higher than in Q1 2026, at 0.80%. As of Q2 2026, Emigrant Mercantile Bank ranks first in New York on CET1 ratio among 82 banks, at 428.69%. Emigrant Mercantile Bank's CET1 ratio of 428.69% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 409.13 points (Q2 2026). From Q3 2023 to Q2 2026, Emigrant Mercantile Bank's CET1 ratio ranged between 418.42% (Q1 2025) and 428.69% (Q2 2026) and its Texas ratio ranged between 0.00% (Q2 2026) and 0.00% (Q2 2026). Compared with Q2 2025, Emigrant Mercantile Bank's CET1 ratio from 427.26% to 428.69%, Texas ratio from 0.00% to 0.00%, return on assets from 0.35% to 0.80% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with under $100M in assets (536 banks) · Industry averages as of Q2 2026.
CET1 of 428.69% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 85.67% is above the 5% well-capitalized threshold.
Asset quality data not available.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 71.4% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 428.69% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | — | Flags at 3% or above | Not reported |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 0.00% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 0.00% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 428.69% |
| Q1 2026 | 427.69% |
| Q4 2025 | 428.59% |
| Q3 2025 | 427.83% |
| Q2 2025 | 427.26% |
| Q1 2025 | 418.42% |
| Q4 2024 | 420.63% |
| Q3 2024 | 425.50% |
| Q2 2024 | 425.61% |
| Q1 2024 | 426.71% |
| Q4 2023 | 427.19% |
| Q3 2023 | 424.23% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Emigrant Mercantile Bank by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 428.69% | — | 0.00% | 0.80% |
| Mar 31, 2026 | 427.69% | — | 0.00% | -0.23% |
| Dec 31, 2025 | 428.59% | — | 0.00% | 0.11% |
| Sep 30, 2025 | 427.83% | — | 0.00% | 0.46% |
| Jun 30, 2025 | 427.26% | — | 0.00% | 0.35% |
| Mar 31, 2025 | 418.42% | — | 0.00% | 2.08% |
| Dec 31, 2024 | 420.63% | — | 0.00% | -1.49% |
| Sep 30, 2024 | 425.50% | — | 0.00% | 1.38% |
| Jun 30, 2024 | 425.61% | — | 0.00% | 2.08% |
| Mar 31, 2024 | 426.71% | — | 0.00% | 2.09% |
| Dec 31, 2023 | 427.19% | — | 0.00% | 1.87% |
| Sep 30, 2023 | 424.23% | — | 0.00% | 0.00% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Emigrant Mercantile Bank FDIC insured?
Yes. Emigrant Mercantile Bank is an FDIC-insured commercial bank (FDIC Certificate #57834). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is Emigrant Mercantile Bank well capitalized?
Yes. Emigrant Mercantile Bank reports a CET1 Ratio of 428.69%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.
What is Emigrant Mercantile Bank's Texas Ratio?
Emigrant Mercantile Bank's Texas Ratio is 0.00%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 57834) · FFIEC NIC profile (RSSD 3268173)
Explore: Full Emigrant Mercantile Bank profile · Other banks in NY · Metric glossary · How the call report works