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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Florida, the state note

Emigrant Bank

Miami, Florida · $5.68B in assets · beside the 8 other Florida banks between $3B and $10B

The filing

21.4%
Equity / assets
1st of 9
4.77%
NPA / loans
9th of 9
0.60%
ROA
9th of 9

Emigrant Bank is the fourth largest of the 9 Florida banks between $3B and $10B, with $5.68B in assets at 30 June 2026. Loans are 95.1% of deposits, 8th of 9 against a median of 76.7%, and equity is 21.4% of assets, the highest in the cohort. Loans grew -3.8% in the year, 8th of 9, and deposits fell 5.3%; the cohort's median loan growth is +9.1%.

Noncurrent loans are 4.77% of the book, the highest in the cohort against a median of 0.40%; 0.33% is 30 to 89 days past due, and the allowance covers them 0.4 times. Net charge-offs are 0.68% of loans, the highest in the cohort. Commercial real estate is 30.6% of loans, 6th of 9 against a median of 27.4%, and 100% of capital, below the 300% screen, with construction at 18% against the 100% screen.

Return on assets is 0.60%, the lowest in the cohort against a median of 1.22%, on an efficiency ratio of 79.9%, the highest in the cohort. Five years ago it was 1.17%. The question is where the nonperforming loans sit by category, and whether the allowance and the capital behind them hold under a loss path.

Nonperforming loans, share of loansFL banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 0.40% US U S Century Bank 0.09% BB Bradesco Bank 0.15% Bo Bank of Tampa 0.29% OB Ocean Bank 0.38% CC Capital City Bank 0.40% BU Banesco USA 0.49% BD Banco Do Brasil Americas 0.83% FF First Federal Bank 2.96% EB Emigrant Bank 4.77%
Loans, year over yearFL banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +9.1% BD Banco Do Brasil Americas +16.7% BB Bradesco Bank +15.2% Bo Bank of Tampa +10.6% US U S Century Bank +9.9% OB Ocean Bank +9.1% BU Banesco USA +8.4% FF First Federal Bank +4.6% EB Emigrant Bank -3.8% CC Capital City Bank -4.4%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Emigrant BankRankCohort median
Total CRE against capital, the 300% screen100%3rd of 9122%
Construction against capital, the 100% screen18%4th of 924%
Construction and land development, share of loans5.6%8th of 94.6%
Non-owner-occupied nonfarm nonresidential, share of loans11.5%3rd of 913.9%
Total CRE, the guidance definition, share of loans30.6%6th of 927.4%
CRE growth over 36 months, the third prong-21.9%2nd of 9+23.8%
Commercial real estate against capital, the 300% screenFL banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 122% FF First Federal Bank 49% BB Bradesco Bank 50% EB Emigrant Bank 100% BD Banco Do Brasil Americas 108% CC Capital City Bank 122% Bo Bank of Tampa 156% BU Banesco USA 216% US U S Century Bank 347% OB Ocean Bank 528%
CRE growth over 36 months, the guidance's third prongFL banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median +23.8% CC Capital City Bank -23.7% EB Emigrant Bank -21.9% FF First Federal Bank +4.0% BU Banesco USA +22.3% Bo Bank of Tampa +23.8% OB Ocean Bank +26.8% US U S Century Bank +32.9% BB Bradesco Bank +70.0% BD Banco Do Brasil Americas +85.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Ocean Bank$7.63B1.1%60.6%0.38%0.00%1.4%100.1%9.6%
Bradesco Bank$6.10B1.0%59.3%0.15%0.00%1.0%91.3%9.9%
Banesco USA$5.98B1.5%53.9%0.49%0.10%0.9%76.7%10.5%
Emigrant Bank$5.68B0.6%79.9%4.77%0.68%2.0%95.1%21.4%
First Federal Bank$4.49B1.2%66.7%2.96%0.11%0.8%41.7%10.4%
Capital City Bank$4.45B1.5%64.8%0.40%0.12%1.2%66.4%11.9%
Banco Do Brasil Americas$3.47B1.5%49.9%0.83%0.02%1.3%70.9%10.8%
Bank of Tampa$3.02B1.2%58.0%0.29%0.03%1.3%76.7%9.8%
U S Century Bank$3.02B1.5%45.8%0.09%0.02%1.1%93.6%8.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Emigrant BankCohort median
20212026Change20212026Change
Loans$4.25B$3.98B-6%$1.55B$2.53B+63%
Deposits$4.24B$4.18B-1%$2.43B$3.82B+57%
NPA / loans4.75%4.77%+0.02 pts0.36%0.40%+0.04 pts
Efficiency79.6%79.9%+0.3 pts71.0%59.3%-11.7 pts
ROA1.17%0.60%-0.56 pts0.94%1.22%+0.29 pts

This read was prepared for Emigrant Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Emigrant Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort FL banks $3B to $10B
Institution www.emigrant.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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