Total Assets
$15.9B
Total balance-sheet footings
FDIC Cert #33681 · New York, New York · Est. 1908
Bank of Baroda - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $15.9B
- Total assets
- F
- Health grade · At Risk
- 0.00%
- Return on assets
- 0.0%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Baroda earns a PlainBankData health grade of F (22/100), with 0.00% Tier 1 capital, 0.00% ROA, efficient (0% cost ratio).
- #120
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 0.00%
- Tier 1 ratio - below the 10% well-capitalized line
- 5th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Bank of Baroda's 22/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Baroda's composite health score
Tier 1 Capital Ratio (0.00%) 0/40
Return on Assets (ROA) (0.00%) 7/25
Texas Ratio (N/A) 0/20
Efficiency Ratio (0.00%) 15/15
22 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$10.0B
Customer-funded liabilities
Net Loans
$10.0B
Outstanding loan book
Net Income
$0K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Baroda ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Baroda's score of 22/100 falls in the highlighted band.
Bank of Baroda'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). Bank of Baroda's $15.9B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
0.00%
Texas Ratio
-
Equity Capital
-
Profitability metrics
Return on Assets (ROA)
5th percentile nationally
0.00%
Return on Equity (ROE)
0.00%
Efficiency Ratio
0.00%
What the numbers say about Bank of Baroda
Bank of Baroda is an FDIC-insured institution (Certificate #33681) headquartered in New York, New York, established in 1908. It holds $15.9B in total assets - 120th of 4,313 FDIC-insured banks, $10.0B in customer deposits, and $10.0B in net loans. On safety, its Tier 1 capital ratio of 0.00% is below the 10% well-capitalized threshold. It earns a PlainBankData health grade of F (22/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Bank of Baroda's asset base places it among the largest FDIC-insured institutions in the country, 120th of 4,313 nationally, and 11th of 120 banks headquartered in New York. Only Community Bank ($17.0B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
What to watch at Bank of Baroda
Bank of Baroda's grade of F reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 0.00% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Bank of Baroda up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in New York by total assets
National size peers: banks closest to Bank of Baroda by assets
Bank of Baroda is closely matched in total assets by NBT Bank, Citizens Business Bank, FirstBank, First United Bank and Trust Company across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.02%, versus Bank of Baroda's own 0.00%; the average efficiency ratio is 57.19%, versus 0.00% here; and average Tier 1 capital sits at 16.88%, versus 0.00% at Bank of Baroda. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $15.9B in assets, Bank of Baroda has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Bank of Baroda (this bank) | NY | $15.9B | 0.00% | 0.00% | 0.00% |
| NBT Bank, National Association | NY | $15.9B | 1.06% | 60.43% | 11.92% |
| Citizens Business Bank, National Association | CA | $15.6B | 1.39% | 42.42% | 15.66% |
| FirstBank | TN | $16.3B | 0.89% | 59.00% | 11.69% |
| First United Bank and Trust Company | OK | $16.3B | 0.97% | 68.85% | 12.24% |
| Bank of America California, National Association | CA | $15.5B | 0.54% | 52.30% | 36.85% |
| Banner Bank | WA | $16.3B | 1.24% | 60.12% | 12.89% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Baroda (FDIC Cert #33681) - 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.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Bank of Baroda's health grade?▼
Bank of Baroda receives a health grade of F (22/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Bank of Baroda?▼
Bank of Baroda holds $15.9B in total assets and $10.0B in deposits, ranking 120th of 4,313 FDIC-insured banks by asset size. It is headquartered in New York, New York.
Is my money safe at Bank of Baroda?▼
Yes, deposits at Bank of Baroda (Certificate #33681) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Baroda's Tier 1 Capital Ratio?▼
Bank of Baroda has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is Bank of Baroda?▼
Bank of Baroda has an Efficiency Ratio of 0.00%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Baroda's profile as a depositor or analyst.
- Bank of Baroda's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Baroda against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.