Emigrant Savings Bank

Emigrant Savings Bank is headquartered in New York and is the 40^th largest bank in the state of New York. It is also the 527^th largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 86 employees at 9 locations. Emigrant Savings Bank has a 3-star health rating.

Emigrant Savings Bank Routing Number: 226070319

Data for Q1 2012

Emigrant Savings Bank consists of multiple companies with separate FDIC numbers. Click on an FDIC number to view the health for that company:

58168 - Emigrant Savings Bank - Manhattan
58170 - Emigrant Savings Bank - Bronx/Westchester
58169 - Emigrant Savings Bank - Brooklyn/Queens
58167 - Emigrant Savings Bank - Long Island

Institution Statistics Emigrant Savings Bank - Manhattan FDIC Certificate # 58168 BankRate Report View Year Established 2005 Employees 86 Primary Regulator FDIC Assets and Liabilities Assets $1.26 billion Loans $339.04 million Deposits $1.10 billion Equity Capital $106.49 million Loan Loss Allowance $4.28 million Unbacked Noncurrent Loans $35.37 million Real Estate Owned $3.39 million Historic Data - March 2011 Assets $1.23 billion Equity Capital $100.47 million Loan Loss Allowance $3.81 million Unbacked Noncurrent Loans $37.77 million Real Estate Owned $2.01 million Profit Margin - Quarterly Net Interest Margin 1.86% Return on Assets 0.21% Return on Equity 2.57% Interest Income $8.69 million

Institution Health Overall Score: 3 out of 5 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 March 31, 2012 Emigrant Savings Bank had $38.76 million in non-current loans and owned real-estate with $110.76 million in equity and loan loss allowances on hand to cover it. This gives Emigrant Savings Bank a Texas Ratio of 34.99% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Emigrant Savings Bank held steady from 38.15% as of March 31, 2011 to 34.99% as of March 31, 2012, resulting in a positive change of 8.27%.This indicates that the balance sheet and financial strength for Emigrant Savings Bank has held steady in recent periods. Deposit Growth In the past year, Emigrant Savings Bank has increased its total deposits by $5.08 million, resulting in 0.46% 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 Savings Bank has shown is average. Capitalization 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 Savings Bank has $1.26 billion in assets with $110.76 million in equity, resulting in a capitalization level of 8.78%, which is average.

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