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Habib American Bank
New York, NY · FDIC Certificate #25093 · Chartered 04/1
Total assets
$2.84B
Total deposits
$2.43B
Total equity
$252.24M
Net loans
$1.90B
Branches (offices)
6
Net income (YTD)
$14.15M
Rank: #454 of 4,213 U.S. banks by assets · #33 of 115 in New York. Assets changed 6.1% and deposits 6.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.99% |
| Return on equity | 11.35% |
| Net interest margin (YTD) | 2.32% |
| Equity to assets | 8.89% |
| Tier 1 leverage ratio | 8.49% |
| Uninsured deposits (share of deposits) | 25.7% |
| Noncurrent loans (share of loans) | 0.73% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 78.1% |
| Real estate loans (share of loans) | 96.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.84B | 96.9% | |
| Commercial & industrial | $31.25M | 1.6% | |
| Consumer / individual | $4.01M | 0.2% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.17B | $1.83B | $15.15M | $202.24M |
| Jun 2023 | $2.33B | $1.98B | $10.41M | $214.91M |
| Jun 2024 | $2.82B | $2.44B | $7.22M | $221.96M |
| Jun 2025 | $2.68B | $2.29B | $10.92M | $232.52M |
| Jun 2026 | $2.84B | $2.43B | $14.15M | $252.24M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $1.10B | 3 |
| California | $663.44M | 2 |
| New Jersey | $195.48M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.96B.
Similar-sized banks
Armstrong Bank ($2.84B) · Medallion Bank ($2.83B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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