BlastPoint's Banking Scorecard
Emigrant Bank
Designations: ✓ Community bank
Miami, FL
7 branches across NY · FL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 24 in FL.
- Deposits -5.3% year over year ($4.2B on the books).
- Delinquency rate 4.87%.
- Return on assets 0.60%.
- Efficiency ratio 79.91% vs a 59.73% peer average.
- Loan-to-deposit ratio 93.25% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Emigrant Bank has 2 strengths but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 40.5% in tier
- + Net Interest Margin 0.72% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 3.1% in tier
- - Liquidity Strain: Bottom 4.4% in tier
- - Deposit Outflow: Bottom 9.9% in tier
- - Liquidity Overhang: Bottom 36.0% in tier
- - Capital Constraint: Bottom 65.6% in tier
- - Return on Assets 0.80% below tier average
- - Efficiency Ratio 20.19% above tier average
- - Delinquency Rate 4.00% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.7B
-1.7% YoY
-3.0% QoQ
|
+$2.9B |
$2.8B
-0.6% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
Top 10.8% in tier |
| Total Loans ? |
$3.9B
-3.6% YoY
-0.3% QoQ
|
+$1.9B |
$2.0B
-0.3% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
Top 12.5% in tier |
| Total Deposits ? |
$4.2B
-5.3% YoY
-4.5% QoQ
|
+$1.9B |
$2.3B
-0.5% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
Top 13.6% in tier |
| Return on Assets ? |
0.60%
+90.5% YoY
+19.8% QoQ
|
-0.80% |
1.39%
+17.0% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 9.5% in tier |
| Net Interest Margin ? |
4.59%
+13.0% YoY
-5.8% QoQ
|
+0.72% |
3.87%
+6.2% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
Top 10.8% in tier |
| Efficiency Ratio ? |
79.91%
-20.0% YoY
-10.7% QoQ
|
+20.19% |
59.73%
-12.6% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
Bottom 7.0% in tier |
| Delinquency Rate ? |
4.87%
-7.3% YoY
+13.1% QoQ
|
+4.00% |
0.87%
+11.7% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
Bottom 0.8% in tier |
| Loan-to-Deposit Ratio ? |
93.25%
+1.8% YoY
+4.3% QoQ
|
+8.21% |
85.04%
-0.1% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
4.54%
-9.4% YoY
+1.8% QoQ
|
-16.73% |
21.27%
-1.5% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
Bottom 3.6% in tier |
| Nonperforming Asset Ratio ? |
3.46%
-8.8% YoY
+15.0% QoQ
|
+2.79% |
0.67%
+11.7% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
Bottom 1.6% in tier |
| Tier 1 Capital Ratio ? |
17.43%
+6.3% YoY
-2.7% QoQ
|
+2.58% |
14.84%
-0.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
Top 13.1% in tier |
| Non-Interest Income / Assets ? |
0.91%
+91.4% YoY
+385.1% QoQ
|
+0.38% |
0.53%
+2.5% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
Top 7.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
4.5%
-0.5pp YoY +0.1pp QoQ |
-16.8pp | 21.4% | 27.7% | 22.2% | 3% |
| Brokered Deposits |
3.4%
+0.2pp YoY +0.2pp QoQ |
-6.0pp | 9.5% | 8.7% | 8.5% | 38% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
48.7%
+9.4pp YoY +0.8pp QoQ |
+34.7pp | 14.0% | 12.9% | 12.5% | 98% |
| CRE |
31.2%
-3.7pp YoY +0.8pp QoQ |
-18.8pp | 50.0% | 50.6% | 41.4% | 12% |
| 1-4 Family |
9.1%
-1.7pp YoY -0.4pp QoQ |
-17.3pp | 26.4% | 30.7% | 31.3% | 14% |
| Consumer |
0.3%
-0.2pp YoY 0.0pp QoQ |
-4.5pp | 4.7% | 3.7% | 5.0% | 22% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.4%
+1.0pp YoY -0.5pp QoQ |
+1.8pp | 15.6% | 19.8% | 19.7% | 85% |
| Leverage Ratio |
20.3%
+1.7pp YoY +1.1pp QoQ |
+9.0pp | 11.3% | 13.9% | 12.6% | 98% |
| Total Capital Ratio |
18.7%
+1.0pp YoY -0.5pp QoQ |
+2.0pp | 16.7% | 21.1% | 20.8% | 85% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
420
-57 (-11.9%) YoY +1 (+0.2%) QoQ |
+106 | 313 | 295 | 482 | 79% |
| Assets per Employee ($) |
$13.5M
+11.6% YoY -3.2% QoQ |
+$3.0M | $10.5M | $10.3M | $8.8M | 85% |
| Branch Count |
7
+1 (+16.7%) YoY +1 (+16.7%) QoQ |
-13 | 20 | 13 | 18 | 17% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.2pp | 0.2% | 0.3% | 0.4% | 3% |
| Nonaccrual |
4.9%
-0.4pp YoY +0.6pp QoQ |
+4.0pp | 0.8% | 0.7% | 1.0% | 99% |
| Allowance Coverage |
0.41x
-0.3% YoY -4.9% QoQ |
-18.30x | 18.71x | 16.62x | 20.23x | 5% |
| Net Charge-off Rate (YTD) |
0.7%
+0.2pp YoY -0.6pp QoQ |
+0.4pp | 0.3% | 0.2% | 0.2% | 94% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.8%
+1.2pp YoY +0.5pp QoQ |
-9.8pp | 12.6% | 9.3% | 11.6% | 4% |
| Cost of Funds (YTD) |
2.7%
-0.4pp YoY 0.0pp QoQ |
+0.8pp | 1.9% | 1.8% | 1.7% | 90% |
| Net Income ($, YTD) |
$17.2M
+83.8% YoY — QoQ |
-$2.1M | $19.2M | $25.2M | $40.4M | 65% |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (5)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
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.