| Metric | Emigrant Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +5.5% | -7.2 pts |
| Deposit growth (YoY) | -5.3% | +5.1% | -10.3 pts |
| Loan growth (YoY) | -3.6% | +5.9% | -9.5 pts |
| ROA | 0.60% | 1.26% | -0.7 pts |
| ROE | 2.8% | 12.2% | -9.3 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.68B | $4.18B | $3.90B | $1.21B | $17.2M | 0.60% | 4.59% | 3.46% |
| Q1 2026 | $5.85B | $4.38B | $3.92B | $1.22B | $7.2M | 0.50% | 4.87% | 3.01% |
| Q4 2025 | $5.77B | $4.31B | $4.01B | $1.21B | $79.5M | 1.35% | 4.28% | 3.31% |
| Q3 2025 | $5.80B | $4.32B | $3.98B | $1.21B | $68.6M | 1.54% | 4.30% | 3.44% |
| Q2 2025 | $5.78B | $4.42B | $4.05B | $1.15B | $9.3M | 0.31% | 4.06% | 3.80% |
| Q1 2025 | $5.95B | $4.60B | $4.07B | $1.13B | $-6.6M | -0.43% | 3.89% | 3.61% |
| Q4 2024 | $6.20B | $4.87B | $4.22B | $1.13B | $44.5M | 0.71% | 4.47% | 4.22% |
| Q3 2024 | $6.26B | $4.54B | $4.37B | $1.48B | $61.6M | 1.31% | 4.42% | 3.67% |
Loan mix (Q2 2026): real estate $1.57B · commercial $1.90B · consumer $10.0M · securities $246.4M
| Ratio | Emigrant Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 1.26% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 12.2% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.59% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.9% | 59.0% | 93th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Emigrant Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Emigrant Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Emigrant Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Emigrant Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.