| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Emigrant BankMiami | FL | $5.68B | $4.18B | -5.3% | -3.6% | 0.60% | 79.9% | 4.59% | 19.98% |
| Emigrant Mercantile BankNew York | NY | $3.5M | $500K | 0.0% | — | 0.29% | 89.3% | 3.22% | 85.64% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Emigrant Bank.