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BDI
EM

Emigrant Mercantile Bank

New York, New YorkFDIC Cert #57834

STATEEstablished 20041 branch

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

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
−0.23%
−111.1%y/y
Peer standing14th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNETINC + ROA
ROE
−0.27%
−111.1%y/y
Peer standing16th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNETINC + ROE
Pretax ROA
−0.23%
−108.0%y/y
Peer standing14th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICPTAXNETINC + ASSET
NIM
3.23%
−18.4%y/y
Peer standing21st percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNIM + NIMY
Earning yield
3.23%
−18.4%y/y
Peer standing2nd percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICINTINCY

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
107.14%
+304.8%y/y
Peer standing13th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
3.44%
+232.9%y/y
Peer standing36th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNONIX + ASSET
Fee share
0.00%
Percentile by value1st percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNONII + NIM
Assets YoY
+0.26%
−64.3%y/y
Percentile by value36th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICASSET
Deposits YoY
0.00%
Percentile by value40th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICDEP

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
14th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th −0.56%Median 0.90%90th 2.26%Observations 136
ROE
FDICNETINC + ROE
16th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th −3.28%Median 7.12%90th 15.63%Observations 136
NIM
FDICNIM + NIMY
21st percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.78%Median 3.85%90th 5.10%Observations 136
Efficiency
FDICNONIX + NIM + NONII + EEFFR
13th percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 52.02%Median 75.82%90th 114.19%Observations 136
Deposits YoY
FDICDEP
44th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −9.27%Median +0.92%90th +12.70%Observations 135
Loans YoY
FDICLNLSNET
Toggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −9.88%Median +2.06%90th +21.05%Observations 127
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
Toggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.00%Median 0.22%90th 3.65%Observations 127
Leverage
FDICRBC1AAJ
96th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.98%Median 13.22%90th 30.79%Observations 136

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
Toggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 0.94%Median 1.78%90th 3.06%Observations 133
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
0th percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 0%Median 9%90th 85%Observations 65

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.