Side-by-side · Q2 2026 data
Emigrant Bank vs Banesco USA
Metric by metric
| Measure | Emigrant Bank | Banesco USA |
|---|---|---|
| TellerScore | 55 | 72 (stronger) |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 0 | 84 (stronger) |
| Earnings | 44 | 79 (stronger) |
| Funding & liquidity | 64 (stronger) | 44 |
| Problem-loan coverage | 69 | 94 (stronger) |
| Peer percentile | 13th | 66th |
| Total assets | $5.7B | $6.0B |
| Deposits / shares | $4.2B | $5.2B |
| Capital ratio | 20.30% (stronger) | 11.46% |
| Problem loans | 4.77% | 0.49% (stronger) |
| Net charge-offs | 0.67% | 0.10% (stronger) |
| Return on assets | 0.60% | 1.47% (stronger) |
| Loans ÷ deposits | 93.2% | 76.0% (stronger) |
| Uninsured deposits | 17.5% (stronger) | 51.6% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Banesco USA has the higher TellerScore (72 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Emigrant Bank leads on 2 and Banesco USA on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.