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Emigrant Bank
Miami, FL · FDIC Certificate #57083 · Chartered 09/1
Total assets
$5.68B
Total deposits
$4.18B
Total equity
$1.20B
Net loans
$3.90B
Branches (offices)
7
Net income (YTD)
$17.16M
Rank: #258 of 4,213 U.S. banks by assets · #11 of 81 in Florida. Assets changed -1.7% and deposits -5.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.60% |
| Return on equity | 2.83% |
| Net interest margin (YTD) | 4.59% |
| Equity to assets | 21.21% |
| Tier 1 leverage ratio | 20.30% |
| Uninsured deposits (share of deposits) | 17.5% |
| Noncurrent loans (share of loans) | 4.77% |
| Net charge-offs (share of loans) | 0.67% |
| Loans to deposits | 93.2% |
| Real estate loans (share of loans) | 40.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.57B | 40.4% | |
| Commercial & industrial | $1.90B | 48.7% | |
| Consumer / individual | $10.05M | 0.3% | |
| Construction & development | $224.68M | 5.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $61.61M | $47.89M | -$42.00K | $13.22M |
| Jun 2023 | $52.70M | $37.29M | $168.00K | $12.13M |
| Jun 2024 | $6.25B | $4.60B | $15.21M | $1.42B |
| Jun 2025 | $5.78B | $4.42B | $9.34M | $1.14B |
| Jun 2026 | $5.68B | $4.18B | $17.16M | $1.20B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $4.18B | 5 |
| Florida | $319.00K | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $4.18B.
Similar-sized banks
Westamerica Bank ($5.77B) · Independent Bank ($5.66B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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