Total Assets
$7.0B
Total balance-sheet footings
FDIC Cert #33648 · New York, New York · Est. 1906
Bank of India - 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.
- $7.0B
- 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 India earns a PlainBankData health grade of F (22/100), with 0.00% Tier 1 capital, 0.00% ROA, efficient (0% cost ratio).
- #218
- largest of 4,313 FDIC banks by assets
- 95th
- 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 India'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 India'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
$5.4B
Customer-funded liabilities
Net Loans
$4.9B
Outstanding loan book
Net Income
$0K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of India ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of India's score of 22/100 falls in the highlighted band.
Bank of India'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 India's $7.0B 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 India
Bank of India is an FDIC-insured institution (Certificate #33648) headquartered in New York, New York, established in 1906. It holds $7.0B in total assets - 218th of 4,313 FDIC-insured banks, $5.4B in customer deposits, and $4.9B in net loans. Its capital position: a Tier 1 ratio of 0.00%, missing the 10% federal well-capitalized bar. That combination rolls up into a PlainBankData health grade of F (22 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Bank of India sits in the top decile of all FDIC-insured institutions by asset size (218th of 4,313), and within New York it ranks 23rd of 120 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is TrustCo Bank, at $6.4B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
What to watch at Bank of India
Bank of India'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 India 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
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of India (FDIC Cert #33648) - 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 India's health grade?▼
Bank of India 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 India?▼
Bank of India holds $7.0B in total assets and $5.4B in deposits, ranking 218th of 4,313 FDIC-insured banks by asset size. It is headquartered in New York, New York.
Is my money safe at Bank of India?▼
Yes, deposits at Bank of India (Certificate #33648) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of India's Tier 1 Capital Ratio?▼
Bank of India has a Tier 1 Capital Ratio of 0.00%. Regulators set the "well-capitalized" bar at 10%, and this bank falls short of even the 6% "adequately capitalized" floor.
How efficient is Bank of India?▼
Bank of India has an Efficiency Ratio of 0.00%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of India's profile as a depositor or analyst.
- Bank of India's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of India 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.