# EMIGRANT BANK
MIAMI, FL · FDIC certificate 57083 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $5.68B | |
| Deposits | $4.18B | |
| Loans and leases | $3.98B | |
| Total equity | $1.20B | |
| Loans / deposits | 93.25% (p69 of band) | 87.10% |
| Liquid assets / assets | 13.08% (p14 of band) | |
| Uninsured deposits / deposits | 17.51% (p13 of band) | 30.76% |
| Brokered deposits | 2.52% | |
| Wholesale funding | 2.52% (p32 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 20.30% (p98 of band) | 10.50% |
| Unrealized securities loss / equity | -0.58% (p92 of band) | -7.75% |
| AOCI / equity | -0.04% (p71 of band) | |
| ROA (annualized) | 0.60% (p11 of band) | 1.26% |
| Net interest margin | 4.59% (p89 of band) | 3.70% |
| Efficiency ratio | 79.91% (p93 of band) | |
| Noncurrent loans | 4.77% (p99 of band) | 0.51% |
| Net charge-offs (annualized) | 0.47% (p94 of band) | |
| Reserve coverage of noncurrent | 41.41% | |
| Real estate % of loans | 40% | |
| Construction % of loans | 18.65% (p16 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $448.6M (37% of equity) (p96 of band) | |
| Deposits YoY | -5.3% | |
| Employees | 420 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 | uninsured deposits >50% |  |
| 2011-09 | 3 |  | charge-offs p90, uninsured deposits >50% |
| 2011-12 | 2 |  | reserve under noncurrent |
| 2012-03 | 4 | deposits shrinking, assets shrinking |  |
| 2012-06 | 7 | expense ratio p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2012-09 | 6 |  | uninsured deposits leaving |
| 2012-12 | 5 |  | expense ratio p90 |
| 2013-03 | 4 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2013-06 | 5 | capital falling |  |
| 2013-09 | 2 |  | reserve under noncurrent, uninsured deposits leaving, capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 4 | reserve under noncurrent |  |
| 2015-03 | 3 |  | reserve under noncurrent |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 5 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2016-03 | 6 | expense ratio p90, charge-offs p90 | reserve under noncurrent |
| 2016-06 | 5 |  | charge-offs p90 |
| 2016-09 | 6 | losing money |  |
| 2016-12 | 6 |  |  |
| 2017-03 | 7 | uninsured deposits leaving |  |
| 2017-06 | 6 |  | uninsured deposits leaving |
| 2017-09 | 5 |  | losing money |
| 2017-12 | 6 | losing money |  |
| 2018-03 | 6 |  |  |
| 2018-06 | 4 |  | deposits shrinking, assets shrinking |
| 2018-09 | 6 | uninsured deposits >50%, capital falling |  |
| 2018-12 | 3 |  | losing money, uninsured deposits >50%, capital falling |
| 2019-03 | 4 | uninsured deposits >50% |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 7 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2019-12 | 9 | losing money, deposits shrinking, assets shrinking | capital falling |
| 2020-03 | 10 | uninsured deposits leaving |  |
| 2020-06 | 8 | loans exceed deposits | brokered >10%, wholesale funding >15%, uninsured deposits >50% |
| 2020-09 | 7 |  | loans exceed deposits |
| 2020-12 | 8 | uninsured deposits >50%, brokered >10%, wholesale funding >15%, capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2021-03 | 8 |  |  |
| 2021-06 | 7 |  | capital falling |
| 2021-09 | 7 |  |  |
| 2021-12 | 10 | capital falling, deposits shrinking, assets shrinking |  |
| 2022-03 | 8 |  | losing money, capital falling |
| 2022-06 | 10 | losing money, uninsured deposits leaving |  |
| 2022-09 | 10 | charge-offs p90 | uninsured deposits >50% |
| 2022-12 | 8 |  | brokered >10%, wholesale funding >15% |
| 2023-03 | 6 |  | losing money, charge-offs p90 |
| 2023-06 | 5 |  | noncurrent p90 |
| 2023-09 | 5 |  |  |
| 2023-12 | 3 | noncurrent p90, charge-offs p90 | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-03 | 2 |  | charge-offs p90 |
| 2024-06 | 3 | expense ratio p90 |  |
| 2024-09 | 2 |  | expense ratio p90 |
| 2024-12 | 4 | charge-offs p90, loans-to-lenders >50% equity |  |
| 2025-03 | 6 | losing money, expense ratio p90 |  |
| 2025-06 | 5 | assets shrinking | charge-offs p90, losing money |
| 2025-09 | 4 | charge-offs p90 | loans-to-lenders >50% equity, expense ratio p90 |
| 2025-12 | 5 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2026-03 | 4 | expense ratio p90, charge-offs p90 | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2026-06 | 5 | deposits shrinking |  |

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

- 2026-03-22 [Miami bank acquires wealth management firm - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNZkxtajltcVJhcm0zaDdRM196NEt1UVlvSFJkdW9zOWZXV0RYOFQxamhaWmNPdGJBYUlJYkFNampjdWFTbENpUHVlZ2xTdXVEdHBBbmpJVmZfbTJBVVZ3a3dwaEFQNWdSMkw5bDVEOXEtR09idjRRLTY4YmNPRkUwaUVOMWcyUUhMNWViSmcxbHRGRUJkUVBhc0ZJenZVRWtFWDBLUjdhZ3FLSTVRTnc?oc=5) · The Business Journals
- 2026-03-04 [Emigrant Bancorp Acquires Fortis Management Group and Launches Emigrant Family Office - PR Newswire](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNMFhRM0wzSk5YelRpX1ZPT01hNjdzZjdxQ1JicXB0UWxybEtkb21zNmFzYlItZ1ozSFNjaXRBbXlVT0htODBtRjA3Vk1aaXFVdlhMSzI0TFFwYWRQbVpobW83Z2JoN3JvTDdLTU85dEREeEpxb29GejgtYllSeUt2bDV1eTIyZ29MREVCcF9DVWF3S2RrUzFxLVBoTUxuUVZaS095bEVqZ0pEaUV6WG1LdWtiZldYRTFOOC1KVThBTHRzYTN0WUFoZDZIZHc1dGlNTldMbGdkMVo?oc=5) · PR Newswire
- 2026-03-06 [South Florida bank acquires Boston wealth management firm - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxQRDlLamFsZ2VwaWJOUWloUzNURkhPUXZNM05GVWt6SU9XWDl5YnZLRExQdG9uWHdpd0NnRkpOdXR1blIxdmZGeHdsRGY2ckFnTzRobFN6SkxTbzE0dkR3NUZXYV9KZHdPeC1jX2dDaV9YMV8ya3Y3Y25ub3hUQmNLZVFvN2doUE9LRW1RbkppNlNXc1Ayam1KZnk1M2ctb0JtN0d1MQ?oc=5) · The Business Journals
- 2026-05-15 [Emigrant Bank names Tyler Kelley managing director in family office push - InvestmentNews](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNUWsxdmxaZFAwVjNGOUViUUZHU1psSDVsZl93YzFrbWZ4ZDY4eEZLV2s1ZDRZVDVvZC1CSW5ldnFqOTlMTnMwNmlvblBOUUp1OTRBLWxXMkVHMmxqeXlsYU45MXNpUGRfSFdEMUVPZG5HaS1CeWptRFZteFVXWVJRQWlneDhuVGpMZzZScjdBS2xfU0dKWDRfY0FfeW13UzFYaUZ5Qmd2Q0Z3aC1Tb0pJcEdGdDJidk1FU05Z?oc=5) · InvestmentNews
- 2025-05-13 [Emigrant Taps Cresset Exec to Lead Family Office Services - AdvisorHub](https://news.google.com/rss/articles/CBMijgFBVV95cUxPRFZYbTAwUlh3Rmg1WTMyR294Vkxxek5jSWJhRkVOLXVpN3Fzb2pSbUJWd3hxY2hHMFJQMjhIc1FLbV9hNnE5bWlRdEtGYnlxRF9td1hUYTl3RGp6UnFyaGJZbEhpeTRSeEtMY2U5YnU4S3dCYmlIV3VwdVhXS3lnX2pmZGlMN2hOcDkxQ213?oc=5) · AdvisorHub
- 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
- 2025-10-21 [Jack Nicklaus wins $50M in defamation case against his former company - Florida Politics](https://news.google.com/rss/articles/CBMiswFBVV95cUxOZjNrN1VGb2dQektHUG9aajB2Q0tpNUxmY0lJMkVBdGJIQWVUdTl1MEVQMU4xSTRHUHZBZkQtdVpRRC1pYVVEN0F5Tlc2T0dYOHhHajNBVi1SS2FpMk8wN0drT3U5bnlUb0lGNjFRNVJNdFoxM29RcW1OU212WFFPZlhMd2Y4UW9pQlBhbFUtT0xkNUFiUXpabjRXV3pyUmRQckY4V2Q3MlZiMmtDVXdYdS1CZw?oc=5) · Florida Politics
- 2026-06-16 [Sarasota trust company leader, former FDIC chair announces retirement - Business Observer](https://news.google.com/rss/articles/CBMimAFBVV95cUxOeHgtYWVJTHpNOFlJYVh4TjRiRnh5U0pSSmpSWEdIanI0Um84OU1YNjRCbWd2aEg4ZldSYTItaTVZS3EwS0hVSzcyaEtLR0hucXJmS2gyRXBsR1B0MGtYcFN2MFJsQVpiTXdMT1Jvbi0welU4Mi1IakV6T3ZvaGp0d2t4bHgtZmRBaWc3R3dYSFZrcmFnb05fWA?oc=5) · Business Observer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57083 (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/59.json (key "57083", 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