FDIC Cert #19977 · New York, New York · Est. 1922

Israel Discount Bank of New York - FDIC Bank Health Profile

A community-scale look at Israel Discount Bank of New York's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$14.4B
Total assets
B
Health grade · Good
0.54%
Return on assets
13.8%
Tier 1 capital

Data updated July 2026

The verdict

Israel Discount Bank of New York earns a PlainBankData health grade of B (69/100), with well-capitalized at 13.84% Tier 1, 0.54% ROA, 71% efficiency ratio.

#132
largest of 4,313 FDIC banks by assets
97th
percentile by asset size, nationally
13.84%
Tier 1 ratio - above the 10% well-capitalized line
17th
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 19977 · NY B · 69/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (69/100)
  • MID-PACK #3083/4307
  • PHOTO-FINISH AbbyBank · WI
  • TIER1-WELL 13.8% Tier 1
  • TEXAS-CLEAN 7.5% Texas
  • ROA-THIN 0.54% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: AbbyBank, WI (±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 Israel Discount Bank of New York

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

Morgan Stanley Bank,… · UT ·…100/100AbbyBank · WI · near69/100ANB Bank · CO · near69/100Bank of Guam · GU · near69/100Bank of the Orient · CA · ne…69/100Israel Discount Bank… · NY ·…69/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Israel Discount Bank of New York · July 2026

What Israel Discount Bank of New York's Call Report plate shows

Israel Discount Bank of New York (FDIC Cert #19977) carries a PlainBankData health grade of B at 69/100, 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 #3,083 of 4,307. Tier 1 capital prints at 13.84%, clearing the 10% well-capitalized line. The Texas Ratio is 7.48%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.54%. Balance-sheet scale is $14.4B, 132nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is AbbyBank (WI), 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 Israel Discount Bank of New York

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

Israel Discount Bank of New York'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; Israel Discount Bank of New York 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 Israel Discount Bank of New York's 69/100 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 avg77/10069/100
Israel Discount Bank of New York's composite health score
Tier 1 Capital Ratio (13.84%) 35/40
Return on Assets (ROA) (0.54%) 14/25
Texas Ratio (7.48%) 16/20
Efficiency Ratio (71.49%) 4/15

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

Balance sheet at a glance

Total Assets

$14.4B

Total balance-sheet footings

Total Deposits

$12.5B

Customer-funded liabilities

Net Loans

$9.9B

Outstanding loan book

Net Income

$76M

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.) 12.44% 13.84% 15.24%
Basel III capital ratios - Israel Discount Bank of New York

Where Israel Discount Bank of New York ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Israel Discount Bank of New York's score of 69/100 falls in the highlighted band.

Israel Discount Bank of New York: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

69 28th percentile higher than 28% 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%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Israel Discount Bank of New York 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

Israel Discount Bank of New York'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). Israel Discount Bank of New York's $14.4B falls in the highlighted band.

Safety ratios for Israel Discount Bank of New York

Tier 1 capital ratio
Well-capitalized 10%

13.84% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.84%
Texas Ratio
7.48%
Equity Capital
$1.4B

What these ratios mean →

Profitability metrics: Israel Discount Bank of New York

Return on Assets (ROA)
17th percentile nationally
0.54%
Return on Equity (ROE)
5.54%
Efficiency Ratio
71.49%

What these mean →

Income & expense at Israel Discount Bank of New York

$800M
Interest Income
$83M
Non-Interest Income
$326M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Israel Discount Bank of New York reports a Texas Ratio of 7.48% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.48% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Israel Discount Bank of New York 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.

National size peers: banks closest to Israel Discount Bank of New York by assets

Israel Discount Bank of New York is closely matched in total assets by Bell Bank, OceanFirst Bank, Beal Bank USA, ConnectOne Bank across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 0.76%, versus Israel Discount Bank of New York's own 0.54%; the average efficiency ratio is 55.99%, versus 71.49% here; and average Tier 1 capital sits at 19.00%, versus 13.84% at Israel Discount Bank of New York. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $14.4B in assets, Israel Discount Bank of New York 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.

Closest banks to Israel Discount Bank of New York nationally by total assets
  1. 1
    Bell Bank $14.4B

    Fargo, ND · Grade C

  2. 2
    OceanFirst Bank $14.5B

    Toms River, NJ · Grade B

  3. 3
    Beal Bank USA $14.5B

    Las Vegas, NV · Grade A

  4. 4
    ConnectOne Bank $14.0B

    Englewood Cliffs, NJ · Grade A

  5. 5
    NexBank $13.9B

    Dallas, TX · Grade A

  6. 6
    Live Oak Banking Company $15.1B

    Wilmington, NC · Grade C

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Israel Discount Bank of New York (this bank) NY $14.4B 0.54% 71.49% 13.84%
Bell Bank ND $14.4B 0.59% 77.28% 11.49%
OceanFirst Bank, National Association NJ $14.5B 0.61% 68.55% 11.54%
Beal Bank USA NV $14.5B 0.63% 37.43% 53.51%
ConnectOne Bank NJ $14.0B 0.77% 54.90% 12.36%
NexBank TX $13.9B 1.17% 41.69% 14.62%
Live Oak Banking Company NC $15.1B 0.82% 56.12% 10.46%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($14.4B here), outside New York so the neighborhood is not state containment.

Bell Bank $14.4B · ND OceanFirst Bank $14.5B · NJ Beal Bank USA $14.5B · NV ConnectOne Bank $14.0B · NJ

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Israel Discount Bank of New York (FDIC Cert #19977) - 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.

Israel Discount Bank of New York 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%