Total Assets
$5.8B
Total balance-sheet footings
FDIC Cert #57083 · Miami, Florida · Est. 2001
Emigrant Bank - FDIC Bank Health Profile
A community-scale look at Emigrant Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $5.8B
- Total assets
- A
- Health grade · Excellent
- 1.35%
- Return on assets
- 17.5%
- Tier 1 capital
Data updated July 2026
The verdict
Emigrant Bank earns a PlainBankData health grade of A (80/100), with well-capitalized at 17.51% Tier 1, profitable at 1.35% ROA, 71% efficiency ratio.
- #258
- largest of 4,313 FDIC banks by assets
- 94th
- percentile by asset size, nationally
- 17.51%
- Tier 1 ratio - above the 10% well-capitalized line
- 66th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Emigrant Bank's 80/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Emigrant Bank's composite health score
Tier 1 Capital Ratio (17.51%) 40/40
Return on Assets (ROA) (1.35%) 20/25
Texas Ratio (14.26%) 16/20
Efficiency Ratio (70.85%) 4/15
80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$4.3B
Customer-funded liabilities
Net Loans
$4.0B
Outstanding loan book
Net Income
$79M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Emigrant Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Emigrant Bank's score of 80/100 falls in the highlighted band.
Emigrant Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Emigrant Bank's $5.8B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.51% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.51%
Texas Ratio
14.26%
Equity Capital
$1.2B
Profitability metrics
Return on Assets (ROA)
66th percentile nationally
1.35%
Return on Equity (ROE)
6.82%
Efficiency Ratio
70.85%
What the numbers say about Emigrant Bank
Emigrant Bank is an FDIC-insured institution (Certificate #57083) headquartered in Miami, Florida, established in 2001. It holds $5.8B in total assets - 258th of 4,313 FDIC-insured banks, $4.3B in customer deposits, and $4.0B in net loans. Looking at capital strength, Tier 1 stands at 17.51%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 14.26%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (80/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Emigrant Bank's asset base places it among the largest FDIC-insured institutions in the country, 258th of 4,313 nationally, and 9th of 83 banks headquartered in Florida. Only Ocean Bank ($7.4B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$364M
Interest Income
$180M
Non-Interest Income
$277M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Emigrant Bank reports a Texas Ratio of 14.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
14.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Florida by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Emigrant Bank (FDIC Cert #57083) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| SouthState Bank, National AssociationWinter Haven | $67.2B | A | 1.40% |
| EverBank, National AssociationJacksonville | $46.0B | B | 0.72% |
| Raymond James BankSaint Petersburg | $43.4B | A | 1.47% |
| BankUnited, National AssociationMiami Lakes | $35.0B | B | 0.89% |
| City National Bank of FloridaMiami | $28.0B | A | 0.96% |
| Seacoast National BankStuart | $20.8B | A | 0.91% |
| Amerant Bank, National AssociationCoral Gables | $9.8B | C | 0.64% |
| Ocean BankMiami | $7.4B | B | 0.92% |
Frequently asked questions
What is Emigrant Bank's health grade?▼
Emigrant Bank receives a health grade of A (80/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Emigrant Bank?▼
Emigrant Bank holds $5.8B in total assets and $4.3B in deposits, ranking 258th of 4,313 FDIC-insured banks by asset size. It is headquartered in Miami, Florida.
Is my money safe at Emigrant Bank?▼
Yes, deposits at Emigrant Bank (Certificate #57083) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Emigrant Bank's Tier 1 Capital Ratio?▼
Emigrant Bank has a Tier 1 Capital Ratio of 17.51%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Emigrant Bank?▼
Emigrant Bank has a Texas Ratio of 14.26%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Emigrant Bank?▼
Emigrant Bank has an Efficiency Ratio of 70.85%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Emigrant Bank's profile as a depositor or analyst.
- Emigrant Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Emigrant Bank against other Florida banks before moving funds. Florida banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.