# BANK LEUMI USA
NEW YORK, NY · FDIC certificate 19842 · asset band $1-10B · latest filing 2022-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $8.20B | |
| Deposits | $7.03B | |
| Loans and leases | $6.00B | |
| Total equity | $867.0M | |
| Loans / deposits | 84.51% (p73 of band) | 72.64% |
| Liquid assets / assets | 22.29% (p26 of band) | |
| Uninsured deposits / deposits | 76.09% (p98 of band) | 32.22% |
| Brokered deposits | 0.91% | |
| Wholesale funding | 2.18% (p48 of band) | |
| FHLB advances / assets | 1.27% | |
| Tier 1 leverage | 11.23% (p81 of band) | 9.47% |
| Unrealized securities loss / equity | -17.76% (p31 of band) | -11.11% |
| AOCI / equity | -7.57% (p43 of band) | |
| ROA (annualized) | 1.04% (p52 of band) | 1.02% |
| Net interest margin | 3.23% (p63 of band) | 3.08% |
| Efficiency ratio | 61.93% (p49 of band) | |
| Noncurrent loans | 0.70% (p76 of band) | 0.31% |
| Net charge-offs (annualized) | 0.61% (p98 of band) | |
| Reserve coverage of noncurrent | 143.45% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 73.19% (p72 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -0.7% | |
| Employees | 448 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 2 | uninsured deposits >50% |  |
| 2012-12 | 4 | deposits shrinking, assets shrinking |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 2 |  | deposits shrinking, assets shrinking |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | noncurrent p90 |  |
| 2014-12 | 5 | losing money, expense ratio p90, charge-offs p90 | noncurrent p90 |
| 2015-03 | 3 |  | losing money, charge-offs p90 |
| 2015-06 | 3 |  |  |
| 2015-09 | 5 | capital falling, noncurrent p90 |  |
| 2015-12 | 2 |  | expense ratio p90, capital falling, noncurrent p90 |
| 2016-03 | 3 | charge-offs p90 |  |
| 2016-06 | 3 | capital falling | charge-offs p90 |
| 2016-09 | 4 | wholesale funding >15% |  |
| 2016-12 | 3 |  | wholesale funding >15% |
| 2017-03 | 4 | wholesale funding >15%, noncurrent p90 | capital falling |
| 2017-06 | 3 |  | wholesale funding >15% |
| 2017-09 | 4 | assets shrinking |  |
| 2017-12 | 7 | wholesale funding >15%, charge-offs p90, deposits shrinking |  |
| 2018-03 | 4 |  | noncurrent p90, assets shrinking, charge-offs p90 |
| 2018-06 | 2 |  | wholesale funding >15%, deposits shrinking |
| 2018-09 | 3 | noncurrent p90 |  |
| 2018-12 | 4 | charge-offs p90 |  |
| 2019-03 | 4 | brokered >10% | charge-offs p90 |
| 2019-06 | 4 | charge-offs p90 | brokered >10% |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 | brokered >10%, wholesale funding >15% | noncurrent p90, charge-offs p90 |
| 2020-06 | 5 | capital falling, run vulnerability, noncurrent p90 | brokered >10%, wholesale funding >15% |
| 2020-09 | 4 | charge-offs p90 | capital falling, run vulnerability |
| 2020-12 | 3 |  | noncurrent p90 |
| 2021-03 | 2 |  | reserve under noncurrent |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-04-01 [Valley National completes Bank Leumi acquisition - Long Island Business News](https://news.google.com/rss/articles/CBMigwFBVV95cUxONXJlbUxlTk12bzNYSi1XRldGN3BQOGNFUHl0ZEk0djF0MGNSUHFLQmpnU1FPWTV3MTc0TXJsRFVGZi1UTUhDR0tXczlRdUwwbHdYd0gxNURDOHJsSllhT2lTQ3dSdkdCZldNc1p3ejBvQk5Fb3c4TkpDT080WWxRbDZ6QQ?oc=5) · Long Island Business News
- 2021-09-23 [Valley National Bancorp Buys Bank Leumi USA - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiigFBVV95cUxNRFhSeHJLLUpvUXpaU0I5OUxFdVlNWFlZbl9palNuMHhfOTdlSEJMUHpjNmtUVTN6VGEyOUFTNWI4LXg5NXp6U3dxd3dUWnBtenp3RWRWUnAtb2lYM0hLNmJrMmNpMTUwV19KVDdYNVdqNDlabnJObEZMNm9Gc0d5djNVTE1Qa0djNkE?oc=5) · Los Angeles Business Journal
- 2014-05-07 [Bank Leumi USA Appoints Mason C. Salit as Head of U.S. Private Banking - Funds Society](https://news.google.com/rss/articles/CBMiugFBVV95cUxOb2RDSTI2V0RrczA4cy1MMHEzM25meUxNRWU4UG5OQ3U3ZDB3QWdNZm45WFJkemFLSWpTZTNLcWJNNzNsd1FxOEpKSkZScnVReXdzbEhkUFN4S0paMzlDeFdHTV8xUjZDRkYxVFAySk5kQVE4aExPUkFFRXQ4aXk5MHl4ZUg0Uzg4LWRCMzg2czRuN2Y2eGVpSFRER3VOa0l1ODMwLXVIRWEzbnJabjh5aVRuQ2oyOURiSWc?oc=5) · Funds Society
- 2021-09-23 [Valley National Bancorp to Acquire Bank Leumi USA Creating - GlobeNewswire](https://news.google.com/rss/articles/CBMiuAJBVV95cUxOaDJOUUdrVHlPV2VaQ1hGWU5FMzNCWk05bWdrUTR6T0psczFHTkVNanVGcUdwcW9zejJhd0FITFdaTUxBckJGVWRFRlhpbFozc0lyZVhzME5EbU0zQnpOeHMwQXUzN1k1VEZNUG9VMkhtRktKdk5BNWR2ckQzMWd3dHE5d1pEMzFPSTRDV0hvRHduRDJoVTRDT2ZkLUpmdHRqMWE5LS1EaGZ1aUZnOGpmSHZzUUVQY043d0xIT2w2Qk9XSDBNd1hSUm5KQWtkejZXZjMzVFRLdlIzYWkzdEVFYXB2MFlGV3Fqa2h6d1liZXlacktGd3lscUo2TE83ZlRxbHhkek5xVFVZYkpnb181TlY0NzNMSE5hS3QyLWZTcERmMHBmcEo2ckhGdkRYay1uUXFaaVlCTkU?oc=5) · GlobeNewswire
- 2017-12-06 [Water, basic need, makes banking specialty - Banking Exchange](https://news.google.com/rss/articles/CBMilwFBVV95cUxQaHdCVExRNHlrUFltcmhRWWdDMVFBOEhCN0wwQnQzRnVoV2puMHRMYW9jSG5IalQ0d290dGNVSVl4dnF2QjBxOC1ELUhIZDBNMmNMNmZSLW01ckg2RUd4bzl4dmsyTWZaMjQ4Mlp0ZnhvbkZCVGtvZlR6QnBOLVFJdGtTdjE0T3E0ek1wbUJqeDFVejR2TU9B?oc=5) · Banking Exchange
- 2020-02-04 [Bank Leumi USA Elevates Senior Team with Two Strategic Hires - Business Wire](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOMFlQalFXNy1Rdi11ZlRfNU83YTBzSFNKMUNrZjEzZmR2cENFdy0wRDJKYWl3QWJPSHR0YzJ3RHVndkFfWlJYSlJQUnV1d2IzWkZOMlplQ3dMMVVHRzU0VHl4RkdnSnU5Z21FMF91RHlqd0RPSmc3cExXZjNLWC1aYlBld0dBQWZPN05tT0RKM1FjUF9Td09tVVJHV1ZkcE5xbm9ubGVHMWdfTzdnMlAtcVlsZjd6SHVW?oc=5) · Business Wire
- 2018-01-22 [Michael Dell's MSD Capital, Endicott Buy a 15% Stake at Bank Leumi Corporation at a Company Value of $1 Billion - calcalistech.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE56R1RQNVZXa014ZGw4RnN5bmQ1Ylp5NzhFTnc5Vl8zZHItOUJjQnhucEpJamdkZnFPMHB5V1I3bkF4bWlnTkFBek9ZQ3h1MEVHYWRTYl9rRGtSUXRnMGx6ODdMQTU3cXpoZmhhVVIwR09vNER5c2hr?oc=5) · calcalistech.com
- 2022-04-01 [Valley National Bancorp Complete Acquisition of Bank Leumi USA - citybiz](https://news.google.com/rss/articles/CBMiowFBVV95cUxOUUFVc2E1RzEwazVTcnZaVmZ6VEJqOEpDcTItQmVXNmUzTHJZMzNwUTlUM3RQQ3VaamVsdEl2MndocjJ3ZWZ1UDVseVRTanRqbGd6anAzOE4wdWM1N1JXRzRIcEU2Ymx3RW92R0poVGNzN1A1YmRYR1RtQ3hQWHdiN3Fmb3MzQzBWU0poanR1UlphVGQ5Uzc5eHFLa0lmOFlPbTZV?oc=5) · citybiz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19842 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/2.json (key "19842", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide