BlastPoint's Banking Scorecard
Emigrant Bank
Designations: ✓ Community bank
Miami, FL
7 branches across NY · FL
Emigrant Bank has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.05% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 0.1% in tier
- - Deposit Outflow: Bottom 13.1% in tier
- - Liquidity Overhang: Bottom 39.1% in tier
- - Capital Constraint: Bottom 62.2% in tier
- - Return on Assets 0.87% below tier average
- - Efficiency Ratio 28.47% above tier average
- - Delinquency Rate 3.42% above tier average
- - Non-Interest-Bearing Deposit Share 16.82% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.9B
-1.7% YoY
+1.5% QoQ
|
+$3.0B |
$2.8B
-0.1% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
Top 11.0% in tier |
| Total Loans ? |
$3.9B
-3.7% YoY
-2.4% QoQ
|
+$2.0B |
$2.0B
+0.6% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
Top 12.6% in tier |
| Total Deposits ? |
$4.4B
-4.8% YoY
+1.6% QoQ
|
+$2.0B |
$2.3B
-0.3% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
Top 13.7% in tier |
| Return on Assets ? |
0.50%
+215.1% YoY
-63.1% QoQ
|
-0.87% |
1.37%
+19.6% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
Bottom 8.9% in tier |
| Net Interest Margin ? |
4.87%
+25.3% YoY
+13.8% QoQ
|
+1.05% |
3.82%
+6.9% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
Top 6.7% in tier |
| Efficiency Ratio ? |
89.54%
-18.7% YoY
+26.4% QoQ
|
+28.47% |
61.06%
-4.6% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 3.2% in tier |
| Delinquency Rate ? |
4.30%
-15.5% YoY
-6.2% QoQ
|
+3.42% |
0.89%
+14.1% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.4% in tier |
| Loan-to-Deposit Ratio ? |
89.38%
+1.2% YoY
-4.0% QoQ
|
+5.17% |
84.20%
+0.3% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
4.47%
-8.1% YoY
+3.9% QoQ
|
-16.82% |
21.29%
-2.5% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
Bottom 4.0% in tier |
| Nonperforming Asset Ratio ? |
3.01%
-16.6% YoY
-9.1% QoQ
|
+2.34% |
0.67%
+15.6% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 2.7% in tier |
| Tier 1 Capital Ratio ? |
17.90%
+9.0% YoY
+2.2% QoQ
|
+2.74% |
15.16%
+2.0% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
Top 11.9% in tier |
| Non-Interest Income / Assets ? |
0.19%
+65.4% YoY
-94.0% QoQ
|
-0.07% |
0.26%
+1.6% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
67% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (4)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.