Emigrant Bank (FDIC certificate #57083) is based in Miami, Florida. Its Q2 2026 call report shows $5.7B in total assets and $4.2B in deposits and 7 offices across 2 states.
Emigrant Bank has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 897 banks with $1 billion – $10 billion. Among 82 banks headquartered in Florida, it ranks 73rd. Capital cushion contributes the most (100/100, 20.30%); loan quality contributes the least (0/100, 4.77%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (53 → 55), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 61 |
| Q4 2024 | 56 |
| Q1 2025 | 48 |
| Q2 2025 | 53 |
| Q3 2025 | 64 |
| Q4 2025 | 62 |
| Q1 2026 | 55 |
| Q2 2026 | 55 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 22.01% |
| Q3 2024 | 22.68% |
| Q4 2024 | 17.06% |
| Q1 2025 | 17.52% |
| Q2 2025 | 18.60% |
| Q3 2025 | 19.90% |
| Q4 2025 | 19.96% |
| Q1 2026 | 19.17% |
| Q2 2026 | 20.30% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 4.99% |
| Q3 2024 | 4.98% |
| Q4 2024 | 5.91% |
| Q1 2025 | 4.99% |
| Q2 2025 | 5.14% |
| Q3 2025 | 4.76% |
| Q4 2025 | 4.49% |
| Q1 2026 | 4.22% |
| Q2 2026 | 4.77% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 1.32% |
| Q4 2024 | 0.71% |
| Q1 2025 | -0.43% |
| Q2 2025 | 0.31% |
| Q3 2025 | 1.54% |
| Q4 2025 | 1.35% |
| Q1 2026 | 0.50% |
| Q2 2026 | 0.60% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $5.7B | 20.30% | 4.77% | 0.60% | 93.2% |
| Q1 2026 | 55 | $5.9B | 19.17% | 4.22% | 0.50% | 89.4% |
| Q4 2025 | 62 | $5.8B | 19.96% | 4.49% | 1.35% | 93.1% |
| Q3 2025 | 64 | $5.8B | 19.90% | 4.76% | 1.54% | 92.0% |
| Q2 2025 | 53 | $5.8B | 18.60% | 5.14% | 0.31% | 91.6% |
| Q1 2025 | 48 | $6.0B | 17.52% | 4.99% | -0.43% | 88.4% |
| Q4 2024 | 56 | $6.2B | 17.06% | 5.91% | 0.71% | 86.8% |
| Q3 2024 | 61 | $6.3B | 22.68% | 4.98% | 1.32% | 96.3% |
| Q2 2024 | 54 | $6.3B | 22.01% | 4.99% | 0.49% | 99.5% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Banesco USABank Miami, FL | 72 out of 100, Strong | $6.0B | 11.5% | 0.49% | vs |
| Bradesco BankBank Coral Gables, FL | 64 out of 100, Moderate | $6.1B | 10.1% | 0.15% | vs |
| First Federal BankBank Lake City, FL | 50 out of 100, Below average | $4.5B | 10.8% | 2.96% | vs |
| Capital City BankBank Tallahassee, FL | 72 out of 100, Strong | $4.4B | 10.3% | 0.40% | vs |
| Ocean BankBank Miami, FL | 63 out of 100, Moderate | $7.6B | 10.0% | 0.38% | vs |
| Banco do Brasil AmericasBank Miami, FL | 72 out of 100, Strong | $3.5B | 10.9% | 0.83% | vs |
Deposit insurance
Is my money safe at Emigrant Bank?
Yes. Emigrant Bank is an FDIC-insured institution (FDIC certificate #57083). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.5% of deposits ($732.9M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 20.30%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.68% (benchmark: 10%).
7 locations
Branches
Emigrant Bank lists 4 offices in 4 cities across 2 states. Most locations:
- Miami, FL (1)
- New York, NY (1)
- Ossining, NY (1)
- West Palm Beach, FL (1)
Identity & history
Profile
- Legal name
- Emigrant Bank
- Former names
- Plus International Bank
- Type
- State-chartered bank
- FDIC certificate #
- 57083
- RSSD ID
- 137915
- Primary regulator
- FDIC
- Holding company
- New York Private B&t Corp
- Established
- September 14, 2001
- Headquarters
- 201 S Biscayne Blvd, Miami, FL 33131
- Website
- www.emigrant.com
- Employees
- 420
Quick answers
Emigrant Bank: common questions
Is Emigrant Bank FDIC insured?
Yes. Emigrant Bank is an FDIC-insured institution (FDIC certificate #57083). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Emigrant Bank's TellerScore?
55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Emigrant Bank ever failed?
There is no failure record for FDIC certificate #57083 in the FDIC failed bank list.
How many branches does Emigrant Bank have?
7 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Miami
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Educational Federal Credit UnionCredit union Miami, FL | 84 out of 100, Strong | $1.8B | 15.4% | 0.61% | vs |
| Dade County Federal Credit UnionCredit union Sweetwater, FL | 84 out of 100, Strong | $1.5B | 13.1% | 0.31% | vs |
| Desjardins Bank, National AssociationBank Hallandale, FL | 84 out of 100, Strong | $362.1M | 19.3% | 0.31% | vs |
| Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL | 81 out of 100, Strong | $14.2M | 22.9% | 0.04% | vs |
| Shaw-Ross Employees Credit UnionCredit union Miami, FL | 81 out of 100, Strong | $6.8M | 14.9% | 0.53% | vs |
| Guardians Credit UnionCredit union West Palm Beach, FL | 80 out of 100, Strong | $309.5M | 14.7% | 0.42% | vs |