Emigrant Mercantile Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Efficiency ratio: 35.71 percentage points lower than in Q1 2026, at 71.43%. Within New York, Emigrant Mercantile Bank is 67th of 105 on return on assets, 0.80% as of Q2 2026, below the middle of the field. Emigrant Mercantile Bank reported 0.80% on return on assets for Q2 2026, 0.17 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 428.69% |
| Tier 1 risk-based capital ratio | 428.69% |
| Total risk-based capital ratio | 428.69% |
| Tier 1 leverage ratio | 85.67% |
| Equity capital to assets | 85.64% |
| Tangible equity to tangible assets | 85.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.80% |
| Return on equity | 0.94% |
| Net interest margin | 3.22% |
| Efficiency ratio | 71.43% |
| Yield on earning assets | 3.22% |
| Cost of funds | 0.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 0.00% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 14.33% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 424.23% | 424.23% | 424.23% | 84.82% | 0.00% |
| Q4 2023 | 427.19% | 427.19% | 427.19% | 85.29% | 1.87% |
| Q1 2024 | 426.71% | 426.71% | 426.71% | 85.49% | 2.09% |
| Q2 2024 | 425.61% | 425.61% | 425.61% | 85.39% | 2.08% |
| Q3 2024 | 425.50% | 425.50% | 425.50% | 85.22% | 1.38% |
| Q4 2024 | 420.63% | 420.63% | 420.63% | 84.83% | -1.49% |
| Q1 2025 | 418.42% | 418.42% | 418.42% | 85.78% | 2.08% |
| Q2 2025 | 427.26% | 427.26% | 427.26% | 85.72% | 0.35% |
| Q3 2025 | 427.83% | 427.83% | 427.83% | 85.40% | 0.46% |
| Q4 2025 | 428.59% | 428.59% | 428.59% | 85.47% | 0.11% |
| Q1 2026 | 427.69% | 427.69% | 427.69% | 85.42% | -0.23% |
| Q2 2026 | 428.69% | 428.69% | 428.69% | 85.67% | 0.80% |
Emigrant Mercantile Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Emigrant Mercantile Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Emigrant Mercantile Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57834) · FFIEC NIC profile (RSSD 3268173)