# ISRAEL DISCOUNT BANK OF NY
NEW YORK, NY · FDIC certificate 19977 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $14.39B | |
| Deposits | $12.33B | |
| Loans and leases | $9.97B | |
| Total equity | $1.47B | |
| Loans / deposits | 80.15% (p32 of band) | 85.78% |
| Liquid assets / assets | 25.91% (p63 of band) | |
| Uninsured deposits / deposits | 50.34% (p83 of band) | 38.39% |
| Brokered deposits | 15.71% | |
| Wholesale funding | 16.94% (p83 of band) | |
| FHLB advances / assets | 1.22% | |
| Tier 1 leverage | 11.01% (p74 of band) | 10.17% |
| Unrealized securities loss / equity | -15.83% (p18 of band) | -7.43% |
| AOCI / equity | -0.84% (p20 of band) | |
| ROA (annualized) | 0.74% (p16 of band) | 1.24% |
| Net interest margin | 2.89% (p22 of band) | 3.57% |
| Efficiency ratio | 67.13% (p88 of band) | |
| Noncurrent loans | 1.18% (p82 of band) | 0.66% |
| Net charge-offs (annualized) | 0.11% (p59 of band) | |
| Reserve coverage of noncurrent | 79.01% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 41.46% (p66 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $576.0M (39% of equity) (p79 of band) | |
| Deposits YoY | 5.2% | |
| Employees | 564 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, NIM <2.5% |  |
| 2011-06 | 3 | reserve under noncurrent |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 3 | expense ratio p90 | reserve under noncurrent, capital falling |
| 2012-06 | 2 |  | expense ratio p90 |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 5 | capital falling, reserve under noncurrent, loans-to-lenders >50% equity |  |
| 2013-06 | 3 |  | capital falling, reserve under noncurrent |
| 2013-09 | 2 |  | loans-to-lenders >50% equity |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | uninsured deposits >50% |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 4 | deposits shrinking |  |
| 2016-03 | 6 | brokered >10%, charge-offs p90 |  |
| 2016-06 | 7 | assets shrinking |  |
| 2016-09 | 7 |  |  |
| 2016-12 | 5 |  | deposits shrinking, assets shrinking |
| 2017-03 | 3 |  | brokered >10%, charge-offs p90 |
| 2017-06 | 4 | brokered >10% |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 3 |  | NIM <2.5% |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 5 | capital falling, NIM <2.5% |  |
| 2020-06 | 3 |  | wholesale funding >15%, NIM <2.5% |
| 2020-09 | 2 | NIM <2.5% | brokered >10%, capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | brokered >10%, capital falling |  |
| 2021-06 | 4 | expense ratio p90 | capital falling |
| 2021-09 | 5 | charge-offs p90 |  |
| 2021-12 | 5 | wholesale funding >15%, capital falling | expense ratio p90, charge-offs p90 |
| 2022-03 | 5 |  |  |
| 2022-06 | 4 |  | capital falling |
| 2022-09 | 3 |  | NIM <2.5% |
| 2022-12 | 4 | deposits shrinking |  |
| 2023-03 | 3 | uninsured deposits leaving | uninsured deposits >50%, deposits shrinking |
| 2023-06 | 4 | deposits shrinking |  |
| 2023-09 | 4 | securities losses >30% of equity | deposits shrinking |
| 2023-12 | 2 |  | uninsured deposits leaving, securities losses >30% of equity |
| 2024-03 | 4 | deposits shrinking, assets shrinking |  |
| 2024-06 | 2 |  | deposits shrinking, assets shrinking |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 4 | expense ratio p90 |  |
| 2025-03 | 4 | reserve under noncurrent | expense ratio p90 |
| 2025-06 | 4 | expense ratio p90 | capital falling |
| 2025-09 | 5 | uninsured deposits >50% |  |
| 2025-12 | 4 |  | uninsured deposits >50% |
| 2026-03 | 4 | uninsured deposits >50% | expense ratio p90 |
| 2026-06 | 4 |  |  |

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

- 2024-11-12 [Chinese Ex-VP Banker Sues Israel Discount Bank of NY for Bias - Bloomberg Law News](https://news.google.com/rss/articles/CBMipAFBVV95cUxORFlXZnZjWjhHZzZORXVNWF9MRW5tOFUxQ1p5UHEtN3dZakNuazdIQTdQTUdLeG9BSk9HMUxvUUhiX1NSbW56WFhUQWJrbllZRXM2VVFPaFlBWkdDMF9kaW5DU1FocXZVYUZSWEhCZWMzUHlReDNFSkNGbWwwU192ZkVza2xNZURSQzQ3cXUxWE54VERiNnpYYnJ0MWdVMVNWYl92TQ?oc=5) · Bloomberg Law News
- 2017-05-18 [New CEO at Israel Discount Bank of NY Uri Levin Pledges Personal Touch - The Jewish Link](https://news.google.com/rss/articles/CBMimwFBVV95cUxPaUE2NDZWQjFqeHN1Vy1YdE1YaFRRWVBUaVpLUFFXSDhQSF8wRktZZ2ZZZEdncFN4eWtQZ1ZBUFlGa1Iwb3lBQ2l0LVZGd0xBUDB6TUpqLW1lYWoyOWt1aVJLUkhxdkIwN0FkMTJOR2toc1NBZGR6V3kwUk83bDRaZS01RGdaOUdRdmtKSzFMNGFoWGhHZ0hXVXhqTQ?oc=5) · The Jewish Link
- 2019-10-27 [Citigroup, Wells Fargo and KeyCorp: Bankers on the move - American Banker](https://news.google.com/rss/articles/CBMikwFBVV95cUxNazBXTERFdlMwbmY4NTVIYXNVcTZpbTE4eWdjSzVOS1JObThxZEpoM0VMX2M4dkpSV0s1eGhMSTU2U2o4TldNYVB3dWJzTUFncWJ0TU9QbEt4QkhrbW9EdjZvWEVYeWVxV3ZGQjB1YVhRUktXWGF0NTFOLU9SMkhHRy1IckxER19jOE1yZEFOanhZX28?oc=5) · American Banker
- 2026-09-04 [The immutable Esther Doctrine - Israel National News](https://news.google.com/rss/articles/CBMiWkFVX3lxTFBFZ25nRjg3WTRpaUdJRDU5WlFyWEVReFZ3S01SSk5Vc2F3VWswbWdadGdlUV9yQndmZng5ZEozNzEzUEsyNDkzcW52X1ZJNEF0YlNaMXNpaEJIUQ?oc=5) · Israel National News
- 2020-06-21 [Every Life Is Precious - The Times of Israel](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1GbFkzbDZJb3kwVGJZdTRuWFJadXNLa1o2X2lJb0tjXzA1RE5aYUNDZ2l5MG9WZ2QtWGVubUlkdTRlN2VUY0tzMEVIWTQwQWpyeFJ5eFY2UkZxUWhrR1NscVFtRHoxdw?oc=5) · The Times of Israel
- 2020-03-25 [The Jerusalem Post Annual Conference - jewishpost.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE5pS0ZVMnpmbHV3SF9TeEpUTU16SFg5NlpKU1hTaGlMVE5XNFNTaG9oVU52QmhNQXh0Y0UyVTN6WDVXUGFucWFIZE95ZG52VEZETFJiT21qQi1RcnJULUxVeXByUmJKeHBuOHY3OQ?oc=5) · jewishpost.com
- 2020-07-27 [Lessons from the Biryonim; Avoid Another Tisha B’Av - The Times of Israel](https://news.google.com/rss/articles/CBMiigFBVV95cUxPMk5oblJyMzN5MmhGQlVsZ0ZvWjNnVEhnTVFodjAtRXFGMnBmYWhGOEM3MDE2eTBlY00tSi04RWlVUl9qRjJ3MjFzWEQzYlpOcHBhYXR0R1FGS1NDNlByYV9sdkVMQm9kVktQQzd1N3VUbTBqb2lEY0FONURfMmRJSGthaDQ4YlRKU0E?oc=5) · The Times of Israel
- 2026-09-08 [Let's Work Together to Support U.S., Israel, Make Votes Count - Newsmax](https://news.google.com/rss/articles/CBMikAFBVV95cUxPMWc2VmZnRnc3N0ViSjd2VTh4bTlWdEZkdlN0MGd2aDZTSkNoT0ZvX1Z2Wnk1eWE3dHVMaGR5NVNSTE5pay1WeWNFU1BQMkxyZ2FuVkh6Yi0zSEdHZlZQMVJ2Um1sU0JWaXJRN0hDbThuRmlNQm5fcEE0WkFsUFlvOE03TnFjS3c2TlVadFlvUm0?oc=5) · Newsmax

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19977 (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/9.json (key "19977", 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