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Emigrant Bank
Miami, FL·FDIC Cert #57083·Charter: STATE·Est. 20010914.0·HC: NEW YORK PRIVATE B&T CORP
Total Assets
$5.8B
Q4 2025
Return on Assets
1.35%
-0.19%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
70.85%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
47
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.35%-0.19
ROE
6.81%-1.11
Efficiency
70.85%-0.05
Equity/Assets
0.00%+0.00
NPL Ratio
4.59%-0.27
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
93.05%+1.05
Charge-offs
0.36%-0.11
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.5 | 1.3 | 0.7 | -0.4 | 0.3 | 1.5 | 1.3 |
| ROE | 3.1 | 2.1 | 5.7 | 3.2 | -2.3 | 1.6 | 7.9 | 6.8 |
| Efficiency | 84.1 | 88.2 | 72.3 | 79.8 | 110.2 | 100.0 | 70.9 | 70.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 5.1 | 5.1 | 5.1 | 6.0 | 5.1 | 5.3 | 4.9 | 4.6 |
| Charge-offs | -0.0 | -0.0 | -0.1 | 0.5 | 0.9 | 0.5 | 0.5 | 0.4 |
| Loan/Deposit | 98.9 | 99.5 | 96.3 | 86.8 | 88.4 | 91.6 | 92.0 | 93.1 |
Balance Sheet
Total Assets$5.8B
Total Deposits$4.3B
Total Loans$4.0B
Total Equity$1.2B
Profitability
ROA1.35%
ROE6.81%
Efficiency Ratio70.85%
Net Income$79.5M
Risk & Asset Quality
NPL Ratio4.59%
Charge-off Rate0.36%
Loan/Deposit93.05%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans