Total Assets
$2.7B
Total balance-sheet footings
FDIC Cert #25093 · New York, New York · Est. 1984
Habib American Bank - FDIC Bank Health Profile
A community-scale look at Habib American Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.7B
- Total assets
- B
- Health grade · Good
- 0.82%
- Return on assets
- 12.9%
- Tier 1 capital
Data updated July 2026
The verdict
Habib American Bank earns a PlainBankData health grade of B (77/100), with well-capitalized at 12.93% Tier 1, 0.82% ROA, efficient (59% cost ratio).
- #465
- largest of 4,313 FDIC banks by assets
- 89th
- percentile by asset size, nationally
- 12.93%
- Tier 1 ratio - above the 10% well-capitalized line
- 31st
- 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.
How Habib American Bank's 77/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Habib American Bank's composite health score
Tier 1 Capital Ratio (12.93%) 35/40
Return on Assets (ROA) (0.82%) 14/25
Texas Ratio (7.78%) 16/20
Efficiency Ratio (58.74%) 12/15
77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.3B
Customer-funded liabilities
Net Loans
$1.8B
Outstanding loan book
Net Income
$22M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Habib American Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Habib American Bank's score of 77/100 falls in the highlighted band.
Habib American 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). Habib American Bank's $2.7B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.93% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.93%
Texas Ratio
7.78%
Equity Capital
$244M
Profitability metrics
Return on Assets (ROA)
31st percentile nationally
0.82%
Return on Equity (ROE)
9.32%
Efficiency Ratio
58.74%
What the numbers say about Habib American Bank
Habib American Bank is an FDIC-insured institution (Certificate #25093) headquartered in New York, New York, established in 1984. It holds $2.7B in total assets - 465th of 4,313 FDIC-insured banks, $2.3B in customer deposits, and $1.8B in net loans. On safety, its Tier 1 capital ratio of 12.93% is above the 10% well-capitalized threshold, and its Texas Ratio of 7.78% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (77/100), 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.
Within New York, Habib American Bank ranks 36th of 120 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$143M
Interest Income
$29M
Non-Interest Income
$47M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Habib American Bank reports a Texas Ratio of 7.78% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.78% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Habib American Bank (FDIC Cert #25093) - 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 Habib American Bank's health grade?▼
Habib American Bank receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Habib American Bank?▼
Habib American Bank holds $2.7B in total assets and $2.3B in deposits, ranking 465th of 4,313 FDIC-insured banks by asset size. It is headquartered in New York, New York.
Is my money safe at Habib American Bank?▼
Yes, deposits at Habib American Bank (Certificate #25093) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Habib American Bank's Tier 1 Capital Ratio?▼
Habib American Bank has a Tier 1 Capital Ratio of 12.93%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Habib American Bank?▼
Habib American Bank has a Texas Ratio of 7.78%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Habib American Bank?▼
Habib American Bank has an Efficiency Ratio of 58.74%. 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 Habib American Bank's profile as a depositor or analyst.
- Habib American Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Habib American Bank 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.