# EMIGRANT BANK
NEW YORK, NY · FDIC certificate 12054 · asset band $1-10B · latest filing 2023-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $6.41B | |
| Deposits | $4.85B | |
| Loans and leases | $4.70B | |
| Total equity | $1.41B | |
| Loans / deposits | 95.33% (p74 of band) | 85.93% |
| Liquid assets / assets | 15.58% (p25 of band) | |
| Uninsured deposits / deposits | 14.73% (p10 of band) | 30.10% |
| Brokered deposits | 3.35% | |
| Wholesale funding | 3.46% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 20.83% (p98 of band) | 10.02% |
| Unrealized securities loss / equity | -2.81% (p92 of band) | -23.75% |
| AOCI / equity | -0.12% (p78 of band) | |
| ROA (annualized) | 0.54% (p18 of band) | 1.00% |
| Net interest margin | 4.26% (p86 of band) | 3.27% |
| Efficiency ratio | 70.52% (p72 of band) | |
| Noncurrent loans | 5.48% (p99 of band) | 0.30% |
| Net charge-offs (annualized) | 0.31% (p94 of band) | |
| Reserve coverage of noncurrent | 30.50% | |
| Real estate % of loans | 45% | |
| Construction % of loans | 15.99% (p14 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 12.3% | |
| Employees | 457 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | expense ratio p90 |  |
| 2011-12 | 2 |  | expense ratio p90 |
| 2012-03 | 4 | deposits shrinking, assets shrinking |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 | wholesale funding >15% | assets shrinking |
| 2012-12 | 3 | NIM <2.5% | deposits shrinking, wholesale funding >15% |
| 2013-03 | 2 |  | NIM <2.5% |
| 2013-06 | 4 | deposits shrinking, assets shrinking |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 5 | capital falling |  |
| 2014-03 | 4 |  | capital falling |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 3 |  | assets shrinking |
| 2015-03 | 4 | charge-offs p90 |  |
| 2015-06 | 3 | assets shrinking | deposits shrinking, charge-offs p90 |
| 2015-09 | 2 |  | assets shrinking |
| 2015-12 | 3 | capital falling |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 | charge-offs p90 | capital falling |
| 2016-09 | 3 | deposits shrinking | charge-offs p90 |
| 2016-12 | 4 | assets shrinking |  |
| 2017-03 | 5 | loans exceed deposits |  |
| 2017-06 | 5 | uninsured deposits leaving | assets shrinking |
| 2017-09 | 2 |  | deposits shrinking, loans exceed deposits, uninsured deposits leaving |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 5 | capital falling, deposits shrinking, assets shrinking |  |
| 2018-12 | 3 |  | capital falling, deposits shrinking |
| 2019-03 | 4 | deposits shrinking |  |
| 2019-06 | 5 | expense ratio p90 |  |
| 2019-09 | 3 | charge-offs p90 | assets shrinking, deposits shrinking, expense ratio p90 |
| 2019-12 | 3 | uninsured deposits leaving | charge-offs p90 |
| 2020-03 | 4 | loans exceed deposits, capital falling | uninsured deposits leaving |
| 2020-06 | 5 | brokered >10%, wholesale funding >15% | loans exceed deposits |
| 2020-09 | 4 |  | capital falling |
| 2020-12 | 5 | uninsured deposits leaving |  |
| 2021-03 | 5 | expense ratio p90 | uninsured deposits leaving |
| 2021-06 | 5 | deposits shrinking, assets shrinking | brokered >10%, wholesale funding >15% |
| 2021-09 | 8 | loans exceed deposits, brokered >10%, charge-offs p90 |  |
| 2021-12 | 5 |  | expense ratio p90, loans exceed deposits, charge-offs p90 |
| 2022-03 | 6 | losing money, expense ratio p90 | assets shrinking |
| 2022-06 | 5 | loans exceed deposits, charge-offs p90 | deposits shrinking, losing money, expense ratio p90 |
| 2022-09 | 5 | expense ratio p90 | loans exceed deposits |
| 2022-12 | 4 |  | brokered >10% |
| 2023-03 | 3 | capital falling | charge-offs p90, expense ratio p90 |
| 2023-06 | 3 | charge-offs p90 | capital falling |
| 2023-09 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-04 [Emigrant Bank Awards 2026 Small Business Grants to Support Local New York-Area Businesses - Yahoo Finance](https://news.google.com/rss/articles/CBMinAFBVV95cUxQNHhZalpDSGp2eG9ZbHBhRFJlQ0Z0SnN2SnFkWjUxOFJOMlJnbzJjY0g4UkJESU9UTzlqczVhMXkwMmJITHlqU0hyWTY3dVh2cWNLeHFBbTJQenIxcFZVemZLNlZGX1M3RXFZdFBVNTkwc1N6YkRmR0w4T1N6a3EzaGlleE1mLUJ1N0hWM1hLRm9sU1dSc0o3VU16c0k?oc=5) · Yahoo Finance
- 2026-05-26 [NY Lawyer Gets A Year After $20M Emigrant Bank Fraud Trial - Law360](https://news.google.com/rss/articles/CBMingFBVV95cUxNODBqbEQ3dzlIRm5MbE1CYk9fTkpVN3kxZ1I3QUhoRzNlM0RoZzEtVHFCbENFY1pFbzMtZFVrR253emdlVkRrUUFfd2lQNEM4bF9NSVVVUFQ5VkkzaHMtZXV5NktzMk5BWEFoWGxKcnduS1lmTmVOajk1S2R3TkhMRVBlMWxzZFo3Nk1hUXppN2ZoemFWTWZ2X0Q4Y2VzQdIBVkFVX3lxTE0yN05jak4zZkl3ZEtsQWNPZTFwUEJTWGhBdDdBX2tiUXZOTU9aSjJIWk1jQzRaQVE2azFVcHBRSGd0QldienRBaUJFSzRhTkZaM0lLRHR3?oc=5) · Law360
- 2026-02-05 [How Disputed Math Allegedly Helped a Bank Win a Brooklyn Home for $100 - New York Focus](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNbE9tUGkzRFQ0UDBBdmJBY25WZTNaczRJZHpacVA5dlRHNk4tLTlpOS00T2RSenFHQmlBb2RRQ1JZRGpqckZ6LXUwd2JRRWlYaVNPWm12LW9waEdPb2ZFNkQ5OGVrVnd4UTRhcHVzR2FDZFBOb19JRVJVRWRLOHQ1LU1vZTdwYUs0?oc=5) · New York Focus
- 2026-02-03 [Emigrant Bank’s predatory lending loss upheld by Supreme Court - HousingWire](https://news.google.com/rss/articles/CBMiswFBVV95cUxPTnotQnQ4dUI1NmhmT2NIbDNXcGtXR0dhcFNpTWZsbkI4cmdMcEpfWjhRWGVCZk14ZDFUTlY1LTBXV2VaOE03Vk5IQllDcHZESElQZjNzWW0wMGFidmFMZ1BIbnZxNktEbmFTbVB0ZW41NUM1aEYyNE10VXBfcGdBNzFPU05UVldYWFYtRTNxakdhdjhEQVdVMUcxRmg4OVBMbEsyOFAtNWQyb2ZjdlRTVzVuZw?oc=5) · HousingWire
- 2025-11-05 [Emigrant Bank Provides 2025 Small Business Grants to New York-Area Businesses - PR Newswire](https://news.google.com/rss/articles/CBMizgFBVV95cUxPMy1tRF9xYV9GV1Y1bTZUalBGYkV2d254VGdlMk5UTWZ2RW1KMjZ4eFZBYkxabGt5eDEzTDJ5cFAzdU5qV0NPTTU2YS1zbmlwaTRUb0dpY0psTXFJVm5PaERvanBtdklGb0dpdmpvdVlEWkRfd3ZzNExWdFdXSFJlWlEteGtpR2ZvZWVoNi02NmNhTk9wcUN4SkhXT3lkQ2NzejBZMy1MNzVjYktHa2dyaTJMNHg3cVNLWGc1LXA1Y2xfemZHdzAwMVRJMnU2dw?oc=5) · PR Newswire
- 2026-05-15 [Emigrant Bank: Tyler Kelley Appointed Managing Director To Expand Family Office Platform - Pulse 2.0](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOZVZpMzlLOHVRYW9WN1ltYTdkeXgtUXAzdHVnMkZZand6a05lM2ZjeU1NOWVPZDdBVkVqbm82MXRoU01oTjE2bWNXYmZ2Z1M4cTdNTHJ1X3hXN2RIU3dmUHpKSWFjRV8tY1o2NzdrZWF1Y0QzVy1oQ2E2UHNDWEVIX1Q5bnJsNXktNXdLVGNzSXg5ZEpmSmhkWVpaZWotWm9MRnFvN0ptY29lUTjSAbABQVVfeXFMTzdNb1ZZdU8wajljLTkxUk1Bd0x5OVVlNWpuTFhlQVBEalhzdkc3TU42N1c4ekxEQWo5NXhmYVk1VV96cGhGSjBZdC1lU05Nb01KUmdUY1pTT1pKWXJTTS1tcmFwMUYzV185UHphd09BZE1FTVFQQlpqS19aQWdtdl9RUUhyVnE3YzR2S3lHSmFBZExSR0JuNF9vcHY4T1RGc01Pci1PUzNWR2toQktrNHU?oc=5) · Pulse 2.0
- 2026-05-27 [Lawyer sentenced to year in prison after conviction in $20M bank fraud trial - ABA Journal](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNY1hNUWdZZXZfamZYZVBSU3pmenJrY0tyd3ZxOTVqQkFUUmFnaG9RblVyVHEtSmVFemtLZUR3WVo0U0JjWVRZakRaQS1HRkdraFE1NkxOUHpZanlvOHVjMEFadi16YmFoT2IwU1JBNWwwd3RxSnVsaVpoUlNZanNVUVI2NEUyenczNDY5dEJMeFE1cF9pVkFqaG10WkNERXhLVmlNcVhkTXJRZw?oc=5) · ABA Journal
- 2026-02-02 [Brooklyn Homeowners Secure Court Win Against Predatory Lender - BKReader](https://news.google.com/rss/articles/CBMiswFBVV95cUxPXzF3ODdhQ2hzaUJNQTJsakRaTTNCamVRZ21XTHhIQkVTcFQ2X2U3VUZVVnBaVzNCM05ET2VyTHNPSjlVY3h1ZFM1dEVrbnFXZzFlRWtxd2hia2g2eHVHeUhhSFZzaTk1NzBWZk5RdnB1eVI0NFF0YnZXd25nb3pKbXVvM21xMmJjQ1Jwdm9zcG9QVkN5bEVsSm4xdmtBSTIyWjVkbXlhX3Foa0FqTzU3elNvVQ?oc=5) · BKReader

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12054 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/22.json (key "12054", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide