Banks | Emigrant Bank

Emigrant Bank

For information concerning My Savings Direct, a division of Emigrant Bank, a subsidiary of Emigrant Bank, please see the My Savings Direct, a division of Emigrant Bank page here.

Branches

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Emigrant Bank Locations

Deposit Rates - March 3, 2021

SAVINGS RATES APY MIN MAX
Savings
0.40% $2,500 $4,999 Compare
CD RATES APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Compare
6 Mo CD
0.50% $100,000 $199,999 Compare
12 Mo CD
0.70% $10,000 $14,999 Compare
12 Mo CD
0.70% $100,000 $199,999 Compare
18 Mo CD
1.00% $10,000 $14,999 Compare
18 Mo CD
1.00% $100,000 $199,999 Compare
24 Mo CD
1.10% $10,000 $14,999 Compare
24 Mo CD
1.10% $100,000 $199,999 Compare
30 Mo CD
1.10% $10,000 $14,999 Compare
30 Mo CD
1.10% $100,000 $199,999 Compare
36 Mo CD
1.20% $10,000 $14,999 Compare
36 Mo CD
1.20% $100,000 $199,999 Compare
48 Mo CD
1.20% $10,000 $14,999 Compare
48 Mo CD
1.20% $100,000 $199,999 Compare
Special: 60 Mo CD
1.20% $1,000 - Compare
60 Mo CD
1.20% $10,000 $14,999 Compare
60 Mo CD
1.20% $100,000 $199,999 Compare
MM RATES APY MIN MAX
Money Market
0.40% $2,500 $2,999 Compare
Money Market
0.40% $10,000 $14,999 Compare
Money Market
0.40% $25,000 $29,999 Compare
INT CHECKING RATES APY MIN MAX
Int Ckg
0.15% $1 $99
Int Ckg
0.25% $2,500 $3,499

Overview 2021

General Bank Information

FDIC Insured Yes
FDIC Certificate # 12054
Date Established 1850
Assets $ 6.38 billion
Loans $ 4.39 billion
Deposits $ 4.87 billion
Capital $ 1,233.31 million

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $ 919.02 million
Interest-bearing balances $ 904.33 million
Total securities $ 375.71 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 4.39 billion
Loan loss allowance $ 83.25 million
Trading account assets $ 2.63 million
Bank premises and fixed assets N.A.
Other real estate owned $ 8.58 million
Goodwill and other intangibles $ 104.49 million
All other assets $ 460.42 million
     Total Assets $ 5.15 billion

LIABILITIES
Total deposits $ 4.87 billion
      Interest-bearing deposits $ 4.71 billion
      Deposits held in domestic offices $ 4.87 billion
      % insured (estimated) 90.98%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 202.90 million
Subordinated debt N.A.
All other liabilities $ 78.66 millionn
      Total Liabilities $ 5.15 billion
      Shareholders’ Equity $ 1,233.31 million

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $ 208.09 million
Total Interest Expense $ 34.10 million
Net interest income $ 173.99 million
Provision for loan and lease losses $ 21.66 million
Total non interest income $ 28.21 million
Total non interest expense $ 140.91 million
Pre-tax Net Operating Income $ 39.64 million

Emigrant Bank is an FDIC insured institution headquartered at 5 East 42nd Street, New York, NY 10017.
It was founded in 1850 and has approximately $6 billion in assets. Customers can open an account at one of its 5 branches.

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only.

  • 1
    LOCAL SAVINGS
    Emigrant Bank
    Bank
    NEW YORK
    $50,000
    N.A.
    0.40%
    3.51x (National Avg. - 0.11%)
    $2,500
    -
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 2
    ONLINE SAVINGS
    Citi Accelerate , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    N.A.
    0.50%
    4.39x (National Avg. - 0.11%)
    $0
    -
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671


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