Emigrant Bank (FDIC #57083): Bank Stress & Real-Estate Credit Exposure
Emigrant Bank (FDIC Cert #57083): bank stress 39/100, contained, STABLE over 7 days; parent NEW YORK PRIVATE B&T CORP.
Emigrant Bank (#57083) lends in 4 counties across 2 states; Emigrant Bank (#57083) reaches 282 ZIP codes: New York 2 counties, 148 ZIPs; Florida 2 counties, 134 ZIPs.
Emigrant Bank (#57083) largest markets: Miami Dade County, FL (81 branches, 81 ZIPs) (#57083), Westchester County, NY (312 branches, 78 ZIPs) (#57083), New York County, NY (70 branches, 70 ZIPs) (#57083), Palm Beach County, FL (53 branches, 53 ZIPs) (#57083).
Emigrant Bank (#57083) reports $5.68 billion in total assets; Emigrant Bank (#57083) equity $1.21 billion (21.4% of Emigrant Bank (#57083) assets); Emigrant Bank (#57083) domestic deposits $4.18 billion; Emigrant Bank (#57083) net income $17.2 million; Emigrant Bank (#57083) return on assets 0.60%; Emigrant Bank (#57083) return on equity 2.83%; Emigrant Bank (#57083) net interest income $109.2 million; Emigrant Bank (#57083) call report June 30, 2026.
Emigrant Bank (#57083) noncurrent real-estate loans 1.25% of its book; Emigrant Bank (#57083) residential 4.37%; Emigrant Bank (#57083) net charge-offs on real estate 8.71%; Emigrant Bank (#57083) multifamily charge-offs 1.58%; Emigrant Bank (#57083) residential charge-offs 22.27%.
Emigrant Bank (#57083) net interest margin 4.59% against an eight-quarter Emigrant Bank (#57083) average of 4.36% (Emigrant Bank (#57083) compression -0.23 points); Emigrant Bank (#57083) real-estate loans 125.0% of equity; Emigrant Bank (#57083) non-residential real estate 2226.8% of equity; Emigrant Bank (#57083) rate-exposure score 40/100, Emigrant Bank (#57083) fixed-rate trap 40/100; Emigrant Bank (#57083) risk type rate trapped; Emigrant Bank (#57083) rate regime rates elevated, Emigrant Bank (#57083) snapshot October 19, 2026.
Emigrant Bank (#57083) stress score moved from 40.6 on June 22, 2026 to 39.3 on October 19, 2026; Emigrant Bank (#57083) ranged 39.3 to 40.6 over 116 snapshots.
Emigrant Bank (#57083) alerts: 4 counties; top Emigrant Bank (#57083) alert scores: Miami County, FL 16 (low); New York County, FL 16 (low); Ossining County, FL 16 (low); West Palm Beach County, FL 16 (low).