BlastPoint's Banking Scorecard
Emigrant Bank
Mid-Market
Specialty: Commercial
FL
FDIC cert 57083
Designations: ✓ Community bank
Miami, FL
201
banks in Mid-Market tier nationally
6 in FL
View Mid-Market leaderboard (FL) →
Emigrant Bank has 2 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 19% in Mid-Market
- + Tier 1 Capital Ratio 3.96% above tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 1% in Mid-Market
- - NIB Deposit Bleed: Bottom 1% in Mid-Market
- - Liquidity Strain: Bottom 1% in Mid-Market
- - Liquidity Overhang: Bottom 28% in Mid-Market
- - Capital Constraint: Bottom 62% in Mid-Market
- - Delinquency Rate 3.91% above tier
- - Nonperforming Asset Ratio 2.80% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.8B
-6.8% YoY
-0.3% QoQ
|
-$4.7B |
$10.5B
+2.9% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
15% |
| Total Loans ? |
$4.0B
-5.0% YoY
+0.9% QoQ
|
-$3.1B |
$7.1B
+4.5% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$4.3B
-11.4% YoY
-0.3% QoQ
|
-$4.2B |
$8.5B
+3.0% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
1.35%
+88.9% YoY
-12.6% QoQ
|
+0.18% |
1.16%
+9.4% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
4.28%
-4.2% YoY
-0.3% QoQ
|
+0.89% |
3.40%
+7.9% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
70.85%
-11.3% YoY
-0.1% QoQ
|
+14.24% |
56.60%
-3.2% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
4.59%
-23.7% YoY
-5.5% QoQ
|
+3.91% |
0.68%
+12.0% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
93.05%
+7.2% YoY
+1.1% QoQ
|
+7.58% |
85.47%
+1.1% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
4.30%
-55.2% YoY
-11.9% QoQ
|
-16.34% |
20.64%
-0.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
3.30%
-21.8% YoY
-4.2% QoQ
|
+2.80% |
0.50%
+7.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
17.51%
+6.3% YoY
-0.3% QoQ
|
+3.96% |
13.55%
+1.8% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
3.11%
+134.6% YoY
+50.4% QoQ
|
+2.15% |
0.96%
+7.1% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#10 of 49 · Top 19% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
3.11%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
1.35%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Tier 1 Capital Ratio
metric
Top 9%
in Mid-Market
Why this stands out
Current:
17.51%
(Tier avg: 13.55%, National avg: 9.75%)
Concerns (7)
Deposit Outflow
decline
#1 of 33 · Bottom 1% in Mid-Market
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
33 of 33 Mid-Market banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
NIB Deposit Bleed
decline
#1 of 9 · Bottom 1% in Mid-Market
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
4.30%
(Tier: 20.64%, National: 21.79%)
9 of 9 Mid-Market banks match
·
98 nationally
→ Stable
-10 banks QoQ
Liquidity Strain
risk
#2 of 80 · Bottom 1% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
93.05%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
Liquidity Overhang
risk
#8 of 26 · Bottom 28% in Mid-Market
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
17.51%
(Tier: 13.55%, National: 9.75%)
Loan-to-Deposit Ratio:
93.05%
(Tier: 85.47%, National: 78.04%)
26 of 26 Mid-Market banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Capital Constraint
risk
#6 of 9 · Bottom 62% in Mid-Market
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
93.05%
(Tier: 85.47%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
17.51%
(Tier: 13.55%, National: 9.75%)
9 of 9 Mid-Market banks match
·
57 nationally
→ Stable
-1 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Bottom 1%
in Mid-Market
Why this stands out
Current:
4.59%
(Tier avg: 0.68%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Mid-Market
Why this stands out
Current:
3.30%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Non-Interest Income / Assets
Current: 3.11% · Tier avg: 0.96%
91
91th pctile
Tier 1 Capital Ratio
Current: 17.51% · Tier avg: 13.55%
89
89th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.40%
65
65th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.16%
31
31th pctile
Loan-to-Deposit Ratio
Current: 93.05% · Tier avg: 85.47%
17
17th pctile
Total Loans
Current: $4.0B · Tier avg: $7.1B
16
16th pctile
Efficiency Ratio
Current: 70.85% · Tier avg: 56.60%
15
15th pctile
Total Assets
Current: $5.8B · Tier avg: $10.5B
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 4.30% · Tier avg: 20.64%
5
5th pctile
Total Deposits
Current: $4.3B · Tier avg: $8.5B
0
0th pctile
Delinquency Rate
Current: 4.59% · Tier avg: 0.68%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.30% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.30% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 4.59% · Tier avg: 0.68%
5
5th pctile
Total Deposits
Current: $4.3B · Tier avg: $8.5B
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 4.30% · Tier avg: 20.64%
15
15th pctile
Total Assets
Current: $5.8B · Tier avg: $10.5B
16
16th pctile
Efficiency Ratio
Current: 70.85% · Tier avg: 56.60%
17
17th pctile
Total Loans
Current: $4.0B · Tier avg: $7.1B
31
31th pctile
Loan-to-Deposit Ratio
Current: 93.05% · Tier avg: 85.47%
65
65th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.16%
89
89th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.40%
91
91th pctile
Tier 1 Capital Ratio
Current: 17.51% · Tier avg: 13.55%
97
97th pctile
Non-Interest Income / Assets
Current: 3.11% · Tier avg: 0.96%