FDIC Cert #26876 · New York, New York · Est. 1987

Safra National Bank of New York - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$12.5B
Total assets
A
Health grade · Excellent
0.92%
Return on assets
22.3%
Tier 1 capital

Data updated July 2026

The verdict

Safra National Bank of New York earns a PlainBankData health grade of A (82/100), with well-capitalized at 22.33% Tier 1, 0.92% ROA, 64% efficiency ratio.

#140
largest of 4,313 FDIC banks by assets
97th
percentile by asset size, nationally
22.33%
Tier 1 ratio - above the 10% well-capitalized line
37th
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 26876 · NY A · 82/100

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

  • GRADE-A A (82/100)
  • MID-PACK #1724/4307
  • PHOTO-FINISH Home Savings Bank · UT
  • TIER1-WELL 22.3% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-PAR 0.92% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: Home Savings Bank, UT (±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 Safra National 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 ·…100/100First Federal Commun… · TX ·…82/100Home Savings Bank · UT · near82/100Safra National Bank… · NY · …82/100United Texas Bank · TX · near82/100Walpole Co-operative… · MA ·…82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Safra National Bank of New York · July 2026

What Safra National Bank of New York's Call Report plate shows

Safra National Bank of New York (FDIC Cert #26876) carries a PlainBankData health grade of A at 82/100, 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 #1,724 of 4,307. Tier 1 capital prints at 22.33%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.92%. Balance-sheet scale is $12.5B, 140th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Home Savings Bank (UT), 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 Safra National Bank of New York

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

Safra National 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; Safra National 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 Safra National Bank of New York's 82/100 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 avg77/10082/100
Safra National Bank of New York's composite health score
Tier 1 Capital Ratio (22.33%) 40/40
Return on Assets (ROA) (0.92%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (64.01%) 8/15

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

Balance sheet at a glance

Total Assets

$12.5B

Total balance-sheet footings

Total Deposits

$10.8B

Customer-funded liabilities

Net Loans

$3.3B

Outstanding loan book

Net Income

$107M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 20.93% 22.33% 23.73%
Basel III capital ratios - Safra National Bank of New York

Where Safra National Bank of New York ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Safra National Bank of New York's score of 82/100 falls in the highlighted band.

Safra National Bank of New York: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

82 Top 40% higher than 60% 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. Safra National 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

Safra National 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). Safra National Bank of New York's $12.5B falls in the highlighted band.

Safety ratios for Safra National Bank of New York

Tier 1 capital ratio
Well-capitalized 10%

22.33% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
22.33%
Texas Ratio
0.00%
Equity Capital
$1.3B

What these ratios mean →

Profitability metrics: Safra National Bank of New York

Return on Assets (ROA)
37th percentile nationally
0.92%
Return on Equity (ROE)
8.22%
Efficiency Ratio
64.01%

What these mean →

Income & expense at Safra National Bank of New York

$537M
Interest Income
$195M
Non-Interest Income
$271M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Safra National Bank of New York reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Safra National 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 Safra National Bank of New York by assets

Safra National Bank of New York is closely matched in total assets by Dollar Bank, Federal Savings Bank, Oriental Bank, First Commonwealth Bank, First 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 1.21%, versus Safra National Bank of New York's own 0.92%; the average efficiency ratio is 59.78%, versus 64.01% here; and average Tier 1 capital sits at 14.44%, versus 22.33% at Safra National 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 $12.5B in assets, Safra National 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 Safra National Bank of New York nationally by total assets
  1. 1
    Dollar Bank, Federal Savings Bank $12.5B

    Pittsburgh, PA · Grade B

  2. 2
    Oriental Bank $12.4B

    San Juan, PR · Grade A

  3. 3
    First Commonwealth Bank $12.3B

    Indiana, PA · Grade B

  4. 4
    First Bank $12.7B

    Southern Pines, NC · Grade A

  5. 5
    PlainsCapital Bank $12.7B

    University Park, TX · Grade B

  6. 6
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

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
Safra National Bank of New York (this bank) NY $12.5B 0.92% 64.01% 22.33%
Dollar Bank, Federal Savings Bank PA $12.5B 0.53% 75.71% 15.21%
Oriental Bank PR $12.4B 1.59% 52.92% 13.44%
First Commonwealth Bank PA $12.3B 1.33% 54.10% 11.69%
First Bank NC $12.7B 0.94% 50.34% 14.69%
PlainsCapital Bank TX $12.7B 1.05% 74.52% 14.49%
BancFirst OK $12.1B 1.79% 51.08% 17.11%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($12.5B here), outside New York so the neighborhood is not state containment.

Dollar Bank, Federal Savings Bank $12.5B · PA Oriental Bank $12.4B · PR First Commonwealth Bank $12.3B · PA First Bank $12.7B · NC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Safra National Bank of New York (FDIC Cert #26876) - 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.

Safra National 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%