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BDI
EB

Emigrant Bank

Miami, FloridaFDIC Cert #57083

STATEEstablished 20016 branches

Holding company: NEW YORK PRIVATE B&T CORPRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.32%
Peer standing51st percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICP9ASSET + LNLSGR
Nonaccrual %
4.22%
−15.3%y/y
Peer standing1st percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNAASSET + LNLSGR
Noncurrent %
4.22%
−15.3%y/y
Peer standing2nd percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
3.01%
−16.6%y/y
Peer standing2nd percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$176M
−18.0%y/y
Peer standing2nd percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
1.24%
+42.2%y/y
Peer standing4th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNTLNLS + LNLSGR
NCO
$12.7M
+30.7%y/y
Peer standing4th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.84%
−10.1%y/y
Percentile by value94th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNATRES + LNLSGR
30–89
$13M
Peer standing49th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICP9ASSET
Nonaccrual
$169M
−18.6%y/y
Peer standing1st percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNAASSET