FDIC Cert #622 · New York, New York · Est. 1923

Amalgamated Bank - FDIC Bank Health Profile

A community-scale look at Amalgamated Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$8.9B
Total assets
A
Health grade · Excellent
1.26%
Return on assets
14.6%
Tier 1 capital

Data updated July 2026

The verdict

Amalgamated Bank earns a PlainBankData health grade of A (87/100), with well-capitalized at 14.58% Tier 1, profitable at 1.26% ROA, efficient (51% cost ratio).

#179
largest of 4,313 FDIC banks by assets
96th
percentile by asset size, nationally
14.58%
Tier 1 ratio - above the 10% well-capitalized line
61st
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 622 · NY A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1162/4307
  • PHOTO-FINISH The Home Trust & Sav… · IA
  • TIER1-WELL 14.6% Tier 1
  • TEXAS-CLEAN 3.3% Texas
  • ROA-STRONG 1.26% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: The Home Trust & Savings Bank, IA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Amalgamated Bank

Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Amalgamated Bank · NY · this…87/100First Interstate Bank · MT ·…87/100Peoples State Bank o… · MN ·…87/100Templeton Savings Bank · IA …87/100The Home Trust & Sav… · IA ·…87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Amalgamated Bank · July 2026

What Amalgamated Bank's Call Report plate shows

Amalgamated Bank (FDIC Cert #622) carries a PlainBankData health grade of A at 87/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,162 of 4,307. Tier 1 capital prints at 14.58%, clearing the 10% well-capitalized line. The Texas Ratio is 3.29%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.26%. Balance-sheet scale is $8.9B, 179th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Home Trust & Savings Bank (IA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Amalgamated Bank

6 FAILURE resolutions in New York since 2000 (5 since 2008)

Amalgamated Bank's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Amalgamated Bank remains an active FDIC-insured reporter.

  • SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
  • USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
  • THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.

How Amalgamated Bank's 87/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10087/100
Amalgamated Bank's composite health score
Tier 1 Capital Ratio (14.58%) 35/40
Return on Assets (ROA) (1.26%) 20/25
Texas Ratio (3.29%) 20/20
Efficiency Ratio (50.81%) 12/15

87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$8.9B

Total balance-sheet footings

Total Deposits

$8.0B

Customer-funded liabilities

Net Loans

$4.9B

Outstanding loan book

Net Income

$107M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.18% 14.58% 15.98%
Basel III capital ratios - Amalgamated Bank

Where Amalgamated Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Amalgamated Bank's score of 87/100 falls in the highlighted band.

Amalgamated Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 27% higher than 73% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Amalgamated Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Amalgamated Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Amalgamated Bank's $8.9B falls in the highlighted band.

Safety ratios for Amalgamated Bank

Tier 1 capital ratio
Well-capitalized 10%

14.58% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.58%
Texas Ratio
3.29%
Equity Capital
$813M

What these ratios mean →

Earnings posture at Amalgamated Bank

Return on Assets (ROA)
61st percentile nationally
1.26%
Return on Equity (ROE)
13.87%
Efficiency Ratio
50.81%

What these mean →

Income & expense at Amalgamated Bank

$422M
Interest Income
$34M
Non-Interest Income
$170M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Amalgamated Bank reports a Texas Ratio of 3.29% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.29% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Amalgamated Bank on FDIC BankFind →

Top banks in New York by total assets

Largest banks headquartered in New York
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

Top 5 banks in New York ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($8.9B here), outside New York so the neighborhood is not state containment.

Pinnacle Bank $8.9B · NE American Savings Bank $9.0B · HI Liberty Bank $9.0B · CT Wells Fargo National Bank West $9.0B · NV

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Amalgamated Bank (FDIC Cert #622) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Amalgamated Bank Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New York

All New York banks →
BankAssetsGradeROA
Goldman Sachs Bank USANew York $645.0B A 1.42%
The Bank of New York MellonNew York $381.0B A 1.31%
Morgan Stanley Private Bank, National AssociationPurchase $254.7B A 1.10%
Manufacturers and Traders Trust CompanyBuffalo $212.9B A 1.40%
Flagstar Bank, National AssociationHicksville $87.5B D -0.14%
Bank of ChinaNew York $61.9B F 0.00%
Deutsche Bank Trust Company AmericasNew York $43.0B A 1.86%
State Bank of IndiaNew York $22.6B F 0.00%