Emigrant Mercantile Bank (FDIC certificate #57834) is based in New York, New York. Its Q2 2026 call report shows $3.5M in total assets and $500K in deposits and 1 office.
Emigrant Mercantile Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 546 banks with under $100 million in assets. Among 121 banks headquartered in New York, it ranks 15th. Capital cushion contributes the most (100/100, 85.67%); earnings contributes the least (31/100, 0.29%).
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 fell 8 points (88 → 80), mostly because the earnings component weakened by 37 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 94 |
| Q3 2024 | 93 |
| Q4 2024 | 86 |
| Q1 2025 | 94 |
| Q2 2025 | 88 |
| Q3 2025 | 86 |
| Q4 2025 | 84 |
| Q1 2026 | 76 |
| Q2 2026 | 80 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 85.39% |
| Q3 2024 | 85.22% |
| Q4 2024 | 84.83% |
| Q1 2025 | 85.78% |
| Q2 2025 | 85.72% |
| Q3 2025 | 85.40% |
| Q4 2025 | 85.47% |
| Q1 2026 | 85.42% |
| Q2 2026 | 85.67% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.08% |
| Q3 2024 | 1.85% |
| Q4 2024 | 1.01% |
| Q1 2025 | 2.07% |
| Q2 2025 | 1.20% |
| Q3 2025 | 0.95% |
| Q4 2025 | 0.74% |
| Q1 2026 | -0.23% |
| Q2 2026 | 0.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $3.5M | 85.67% | 0.00% | 0.29% | 0.0% |
| Q1 2026 | 76 | $3.5M | 85.42% | 0.00% | -0.23% | 0.0% |
| Q4 2025 | 84 | $3.5M | 85.47% | 0.00% | 0.74% | 0.0% |
| Q3 2025 | 86 | $3.5M | 85.40% | 0.00% | 0.95% | 0.0% |
| Q2 2025 | 88 | $3.5M | 85.72% | 0.00% | 1.20% | 0.0% |
| Q1 2025 | 94 | $3.5M | 85.78% | 0.00% | 2.07% | 0.0% |
| Q4 2024 | 86 | $3.5M | 84.83% | 0.00% | 1.01% | 0.0% |
| Q3 2024 | 93 | $3.5M | 85.22% | 0.00% | 1.85% | 0.0% |
| Q2 2024 | 94 | $3.5M | 85.39% | 0.00% | 2.08% | 0.0% |
546 peers · Under $100 million in assets
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 New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens National Bank of HammondBank Hammond, NY | 41 out of 100, Below average | $23.9M | 7.9% | 1.27% | vs |
| Bank of CattaraugusBank Cattaraugus, NY | 67 out of 100, Moderate | $31.0M | 10.3% | 1.16% | vs |
| GS&L Municipal BankBank Gouverneur, NY | 92 out of 100, Very strong | $31.6M | 44.5% | 0.00% | vs |
| Metropolitan Bank and Trust CompanyBank New York, NY | 48 out of 100, Below average | $32.0M | 0.0% | 0.00% | vs |
| Sunnyside Federal Savings and Loan Association of IrvingtonBank Irvington, NY | 70 out of 100, Strong | $82.3M | 12.3% | 0.18% | vs |
Deposit insurance
Is my money safe at Emigrant Mercantile Bank?
Yes. Emigrant Mercantile Bank is an FDIC-insured institution (FDIC certificate #57834). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 50.0% of deposits ($250K) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 85.67%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 428.69% (benchmark: 10%).
1 location
Branches
Emigrant Mercantile Bank lists 1 office in 1 city. Most locations:
- New York, NY (1)
Identity & history
Profile
- Legal name
- Emigrant Mercantile Bank
- Former names
- Emigrant Bank
- Type
- State-chartered bank
- FDIC certificate #
- 57834
- RSSD ID
- 3268173
- Primary regulator
- FDIC
- Holding company
- New York Private B&t Corp
- Established
- July 9, 2004
- Headquarters
- 6 E 43rd St, New York, NY 10017
Quick answers
Emigrant Mercantile Bank: common questions
Is Emigrant Mercantile Bank FDIC insured?
Yes. Emigrant Mercantile Bank is an FDIC-insured institution (FDIC certificate #57834). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Emigrant Mercantile Bank's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Emigrant Mercantile Bank ever failed?
There is no failure record for FDIC certificate #57834 in the FDIC failed bank list.
How many branches does Emigrant Mercantile Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Paul Quinn Federal Credit UnionCredit union Jamaica, NY | 93 out of 100, Very strong | $358K | 26.1% | 0.00% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| Gha Federal Credit UnionCredit union Greenwich, CT | 91 out of 100, Very strong | $29.7M | 17.5% | 0.56% | vs |