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5 East 42nd Street
New York, NY 10017

Emigrant Bank is headquartered in New York and is the 17st largest bank in the state of New York. It is also the 152nd largest bank in the nation. It was established in 1850 and as of December of 2013, it had grown to 571 employees at 4 locations. Emigrant Bank has a C+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Emigrant Bank had $431.57 million in non-current loans and owned real-estate with $1.06 billion in equity and loan loss allowances on hand to cover it. This gives Emigrant Bank a Texas Ratio of 40.89% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Emigrant Bank experienced no significant changes from 36.36% as of December 31, 2012 to 40.89% as of December 31, 2013, resulting in a negative change of 12.44%. This indicates that the balance sheet and financial strength for Emigrant Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Emigrant Bank has decreased its total deposits by -$3.58 billion, resulting in -42.44% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Emigrant Bank has shown is poor.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Emigrant Bank has $6.44 billion in assets with $1.06 billion in equity, resulting in a capitalization level of 16.40%, which is excellent.

Institution Statistics

FDIC Certificate #12054
Year Established1850
Primary RegulatorFDIC
Assets and Liabilities
Assets$6.44 billion
Loans$3.88 billion
Deposits$4.85 billion
Equity Capital$969.37 million
Loan Loss Allowance$86.13 million
Unbacked Noncurrent Loans$378.08 million
Real Estate Owned$53.49 million
Historic Data - December 2012
Assets$9.94 billion
Equity Capital$1.34 billion
Loan Loss Allowance$89.05 million
Unbacked Noncurrent Loans$378.08 million
Real Estate Owned$57.65 million
Profit Margin - Quarterly
Net Interest Margin3.04%
Return on Assets1.32%
Return on Equity8.48%
Interest Income$268.03 million

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Emigrant Bank Locations
Ossining Branch13 Croton AvenueOssining, NY 10562
Dollar Savings Direct Branch13 Croton AvenueOssining, NY 10562 Branch13 Croton AvenueOssining, NY 10562
Emigrant Bank5 East 42nd StreetNew York, NY 10017