This institution is no longer active

Operations ceased on October 1, 2023. CRA examination history below reflects the period it was active.

EMIGRANT BANK

NEW YORK, NY · Supervised by FDIC

Est. 1850FDIC #12,054RSSD: FDIC-12054

Part ofNEW YORK PRIVATE B&T CORP→ View all charters

Satisfactory Same

Current rating · Exam: March 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.54%

Is this bank safe?

EMIGRANT BANK holds a Satisfactory CRA rating (2023), meets basic financial requirements (ROA +0.54%).

Institution Profile

FDIC BankFind

Address

5 E 42nd St, NEW YORK, NY

County

New York County

Established

September 30, 1850

Total Assets

$6.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2023

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Mar 2027(based on asset size)

Financial Snapshot

As of Q3 2023Call Report / FDIC

Total Assets

$6.4B

Total Deposits

$4.8B

Net Loans

$4.6B

Net Income

$27M

ROA

0.54%

Below avg for Community banks. Peer avg: 0.90%

ROE

2.56%

Risk-Based Capital

21.58%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA0.54%Peer avg: 0.90%▼ Below avg

Risk-Based Capital21.58%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate13.89%Peer avg: 10.20%▲ More than avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	144	61.81%	13.89%
2023	223	52.47%	21.52%
2022	191	59.69%	14.14%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Mar 2023	Satisfactory	Large Bank
Feb 2020	Satisfactory	Large Bank
Feb 2017	Satisfactory	Large Bank

8 previous ratings locked — back to 1994

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/emigrant-bank"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: