🏦Bank Scorer

This institution is no longer active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

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

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%

ROE

2.56%

Risk-Based Capital

21.58%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate13.89%Peer avg: 9.91%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202414461.81%13.89%
202322352.47%21.52%
202219159.69%14.14%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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