Emigrant Bank (Miami, FL)
Emigrant Bank (Miami, FL) reported total assets of $5.7 bn at Q2 2026, down 1.7% on a year earlier, the 255th largest of 497 banks in our US coverage. The CET1 capital ratio at Emigrant Bank (Miami, FL) was 17.43%, and the uninsured share of Emigrant Bank (Miami, FL) was 17.51%. Source: FDIC Call Reports.
Key takeaways
- Emigrant Bank (Miami, FL) has one of the highest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 20.30% at , against a median of 10.45% across 339 banks (FDIC Call Reports).
- At 4.77%, the noncurrent loans to total loans of Emigrant Bank (Miami, FL) sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 0.58% (FDIC Call Reports).
- Among the 339 banks of $1 bn to $10 bn, few report a lower return on equity (ROE) than Emigrant Bank (Miami, FL), at 2.83% in ; the group median is 12.68% (FDIC Call Reports).
What sets Emigrant Bank (Miami, FL) apart
- On efficiency ratio, Emigrant Bank (Miami, FL) climbed from 525th to 474th among 500 US banks between and (1 = lowest).
- Emigrant Bank (Miami, FL) has one of the highest efficiency ratio readings among banks of $1 bn to $10 bn: 79.91% at , against a median of 56.87% across 339 banks.
- The return on assets (ROA) of Emigrant Bank (Miami, FL), 0.60% at , places Emigrant Bank (Miami, FL) in the bottom tenth of banks of $1 bn to $10 bn (group median 1.32%).
How large is Emigrant Bank (Miami, FL)?
The balance sheet of Emigrant Bank (Miami, FL) at : assets $5.7 bn, deposits $4.2 bn, net loans $3.9 bn (loans equal to 93.25% of deposits). Securities make up 4.3% of total assets at Emigrant Bank (Miami, FL). Since , when Emigrant Bank (Miami, FL) held $102.3 mn, its assets grew 5,453.0%. In the year to , deposits at Emigrant Bank (Miami, FL) fell 5.3% while its total assets fell 1.7%. At , Emigrant Bank (Miami, FL) employed 420 full-time equivalent staff across 7 offices, about $13.5 mn of assets per employee and $597.8 mn of deposits per office.
How much funding at Emigrant Bank (Miami, FL) is uninsured?
At Emigrant Bank (Miami, FL), uninsured deposits (above the FDIC limit) made up 17.51% of domestic deposits at (+2.68 pp on a year earlier); Emigrant Bank (Miami, FL) ranks 434th of 500 on this measure. In dollars, Emigrant Bank (Miami, FL) estimated $732.9 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $4.2 bn | -5.3% | 278th of 499 |
| Net loans and leases | $3.9 bn | -3.6% | 265th of 500 |
| Loan-to-deposit ratio | 93.25% | +1.63 pp | 144th of 500 |
| Tier 1 leverage ratio | 20.30% | +1.70 pp | 6th of 500 |
| Total risk-based capital ratio | 18.68% | +1.02 pp | 57th of 448 |
| Net interest margin | 4.59% | +0.53 pp | 53rd of 500 |
| Return on assets (ROA) | 0.60% | +0.28 pp | 465th of 500 |
| Efficiency ratio | 79.91% | -20.04 pp | 474th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $7.0 mn | Narrowed by $822,000 | |
| Noncurrent loans to total loans | 4.77% | -0.37 pp | 495th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.67% | +0.21 pp | 453rd of 500 (1 = lowest) |
US rank of Emigrant Bank (Miami, FL): 1 = highest unless marked 1 = lowest.
Balance sheet
Emigrant Bank (Miami, FL): assets, deposits and loans
- Total assets $5.7bn
- Deposits $4.2bn
- Net loans $3.9bn
Capital and securities
The CET1 ratio of Emigrant Bank (Miami, FL) stood at 17.43% in , +1.03 pp year on year. Low and high at Emigrant Bank (Miami, FL) since : 16.40% () to 56.14% (). Equity capital of Emigrant Bank (Miami, FL) at : $1.2 bn, or 21.4% of total assets. Emigrant Bank (Miami, FL) also reported a total capital ratio of 18.68% for , and a tier 1 leverage ratio of 20.30%.
The available-for-sale portfolio of Emigrant Bank (Miami, FL) showed an unrealized loss of $7.0 mn at ; the loss narrowed by $822,000 over the year.
Emigrant Bank (Miami, FL): capital ratios
- Total capital 19%
- CET1 17%
- Tier 1 leverage 20%
Emigrant Bank (Miami, FL): unrealized securities gains and losses
- Available for sale -$7mn
- Held to maturity $0
Profitability and loan quality
For the year to , Emigrant Bank (Miami, FL) earned a return on equity of 2.83%; return on assets: 0.60%. Net interest margin at Emigrant Bank (Miami, FL): 4.59%, +0.53 pp in a year. Emigrant Bank (Miami, FL) net income: $17.2 mn, up 83.8% year on year. The efficiency ratio of Emigrant Bank (Miami, FL) was 79.91%: about 80 cents cost per revenue dollar, against 57 cents at the median peer.
At , noncurrent loans were 4.77% of total loans at Emigrant Bank (Miami, FL); net charge-offs: 0.67% of average loans. Gross loans and leases at Emigrant Bank (Miami, FL): $4.0 bn, down 3.8% in a year.
Emigrant Bank (Miami, FL): profitability
- Return on equity 2.8%
- Net interest margin 4.6%
- Return on assets 0.6%
Peer group of Emigrant Bank (Miami, FL)
The peer group of Emigrant Bank (Miami, FL) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Emigrant Bank (Miami, FL) (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Florida. Against them, Emigrant Bank (Miami, FL) shows CET1 ratio 17.43% against a peer median of 14.74%, return on equity 2.83% against a peer median of 14.98% and uninsured deposit share 17.51% against a peer median of 49.62%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| CTBC Bank Corp. (USA) | State nonmember bank | CA | $5.9 bn | not reported | 6.33% | 66.55% | |
| Farmers & Merchants Bank of Central California | State nonmember bank | CA | $5.8 bn | 14.74% | 15.04% | 51.44% | |
| Westamerica Bank | State member bank | CA | $5.8 bn | 16.23% | 17.41% | 49.57% | |
| Emigrant Bank | State nonmember bank | FL | $5.7 bn | 17.43% | 2.83% | 17.51% | |
| Independent Bank | State member bank | MI | $5.7 bn | 11.45% | 14.92% | 24.38% | |
| Firstrust Savings Bank | State-chartered stock savings bank | PA | $5.6 bn | 11.80% | 16.05% | 49.66% | |
| The Cape Cod Five Cents Savings Bank | State member bank | MA | $5.6 bn | 18.18% | 7.00% | 16.36% | |
. FDIC Call Reports.
Last eight quarters
Two years at Emigrant Bank (Miami, FL), to : assets -9.3%, deposits -7.8%, equity -17.9%. Staff 473 to 420; offices 6 to 7.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $6.3 bn | $6.2 bn | $6.0 bn | $5.8 bn | $5.8 bn | $5.8 bn | $5.9 bn | $5.7 bn |
| Total deposits | $4.5 bn | $4.9 bn | $4.6 bn | $4.4 bn | $4.3 bn | $4.3 bn | $4.4 bn | $4.2 bn |
| Bank equity capital | $1.5 bn | $1.1 bn | $1.1 bn | $1.1 bn | $1.2 bn | $1.2 bn | $1.2 bn | $1.2 bn |
| CET1 ratio | 21.49% | 16.47% | 16.42% | 16.40% | 17.56% | 17.51% | 17.90% | 17.43% |
| Return on equity (ROE) | 5.69% | 3.22% | -2.32% | 1.64% | 7.92% | 6.82% | 2.38% | 2.83% |
| Uninsured share of domestic deposits | 14.03% | 19.88% | 15.24% | 14.83% | 15.37% | 16.17% | 19.39% | 17.51% |
| Full-time equivalent employees | 473 | 477 | 480 | 477 | 416 | 414 | 419 | 420 |
| Number of offices | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 7 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Emigrant Bank (Miami, FL)
- Total assets at Emigrant Bank (Miami, FL) changed by +29.1% in the quarter to 2020-12-31, with no FDIC structure event in that quarter.
- Total assets at Emigrant Bank (Miami, FL) changed by +12949.3% in the quarter to 2023-12-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Emigrant Bank (Miami, FL)?
Emigrant Bank (Miami, FL) reported $5.7 bn at in its Call Report. That makes Emigrant Bank (Miami, FL) the 255th largest of 497 banks in our US coverage.
Is Emigrant Bank (Miami, FL) the same as its holding company?
No. This page covers Emigrant Bank (Miami, FL), FDIC certificate 57083; NEW YORK PRIVATE B&T CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Emigrant Bank (Miami, FL) profitable?
Emigrant Bank (Miami, FL) reported net income of $17.2 mn for the year to ; annualized return on equity: 2.83%. So yes: Emigrant Bank (Miami, FL) made a profit over these months.
When is data for Emigrant Bank (Miami, FL) next updated?
Figures from Emigrant Bank (Miami, FL) for are due after .
Where can I check the figures for Emigrant Bank (Miami, FL)?
In the FDIC BankFind Suite record for certificate 57083, and in the Call Reports of Emigrant Bank (Miami, FL) (RSSD ID 137915) at the FFIEC Central Data Repository.