# HABIB AMERICAN BANK
NEW YORK, NY · FDIC certificate 25093 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $2.84B | |
| Deposits | $2.43B | |
| Loans and leases | $1.92B | |
| Total equity | $252.2M | |
| Loans / deposits | 78.11% (p28 of band) | 87.10% |
| Liquid assets / assets | 28.91% (p74 of band) | |
| Uninsured deposits / deposits | 25.75% (p32 of band) | 30.76% |
| Brokered deposits | 3.52% | |
| Wholesale funding | 7.05% (p54 of band) | |
| FHLB advances / assets | 3.52% | |
| Tier 1 leverage | 8.49% (p6 of band) | 10.50% |
| Unrealized securities loss / equity | -3.47% (p72 of band) | -7.75% |
| AOCI / equity | 0.38% (p91 of band) | |
| ROA (annualized) | 0.99% (p30 of band) | 1.26% |
| Net interest margin | 2.32% (p4 of band) | 3.70% |
| Efficiency ratio | 55.91% (p41 of band) | |
| Noncurrent loans | 0.73% (p63 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | 174.39% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 187 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | deposits shrinking |  |
| 2012-06 | 1 |  | deposits shrinking |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 | NIM <2.5% | reserve under noncurrent |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 2 | reserve under noncurrent | capital falling |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 2 | uninsured deposits leaving |  |
| 2016-06 | 1 |  | uninsured deposits leaving |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 | uninsured deposits >50% | capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | uninsured deposits >50% |
| 2019-09 | 3 | uninsured deposits >50%, capital falling |  |
| 2019-12 | 2 |  | capital falling |
| 2020-03 | 1 |  | uninsured deposits >50% |
| 2020-06 | 1 |  |  |
| 2020-09 | 3 | uninsured deposits >50%, deposits shrinking |  |
| 2020-12 | 2 |  | deposits shrinking |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 1 |  | NIM <2.5% |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | uninsured deposits leaving | uninsured deposits >50% |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | NIM <2.5% |  |
| 2023-06 | 3 | capital falling |  |
| 2023-09 | 2 |  | uninsured deposits leaving |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 3 | capital falling, deposits shrinking |  |
| 2025-09 | 1 |  | capital falling, deposits shrinking |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | reserve under noncurrent |  |
| 2026-06 | 1 |  | reserve under noncurrent |

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

- 2026-02-14 [NY Senator: Bank Officials Need to Oust Former Fugitive from Bank Manager Job - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMimwFBVV95cUxOWFRyRmYxRzRIR0MtNXBVeHg0R0lWc00xTXBtXzlCMkhjSFAtRWNrZWV4cHU1UWRROEdVTXJjMzJhRFZNdjRySTYxV1F0RUFwX0M3Qk05SE1GN0plUWhLVUZyZXVQQlkzNTJNUThGVTBRS2RZU09WdURXT2pZcTdiMTFObHJfWlpTeW0yWl9aSWpjZUtxRXp3OTlfONIBoAFBVV95cUxPQW9VX3ZOZW5HZkE1WDZjblVrWVFlVFJVSlFfdlJmcXVrX09pSVhuQjFLR0UzWWE0V21NNkFGT3FGY0laWWhfczZSakt2WHlSLTEyX0pCRFd0RTkzSmxtcnZ5ZC1lRHAwRGtuQnVWTzE4LWx1X1hFWkNDS09BLXFoRTB1a2Zmc1NtUlY0cXBVTW9Nald1R0lNZ1FUc21BRGlT?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2023-12-14 [Habib American Bank (NY) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMihwFBVV95cUxOZDF1NFJ1UVFNNUR6Q3pfTk10dm9BY1liMURXSHgwRzhoZGcyNjlMNndMSzNKcnltbUN0RXpMa2E0bEpHTmxBb082OTdadU53eG1IV1F2OFduclZLQS1BN3Zfck5LT0daQ0JvVWstcFNKdDBTNUM1ejJrMWxyTm1CbDl3bndrb2s?oc=5) · SmartAsset
- 2020-05-26 [Habib American Bank buys Midtown East mixed-use building that could become its HQ - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxQU0RFelEydHZSUUpVdHItUWxmazl1M0NYS0tIUTdNUWY2ME1EUjYyai1XaVJkOW9qS3J1VGpPTVk0MnZYTDVWMnFHYWJPSmoyRGpSSGM4eU5mTDljU2lBRDhNUlRNa2U4TmRLR0x3MFhGSF8td21LVkw4NkdKazJjN29mVDF0T3NWVktHU0dIbjZ5MlN6SGZSaA?oc=5) · The Business Journals
- 2022-07-07 [Imran Habib: Banking, in Near Future, Will be on Your Cell Phone - IndiaWest](https://news.google.com/rss/articles/CBMijAFBVV95cUxNMkNXV05jSHZHU0Y3ZmViaG1pZThpSERMTzY2aEIzTVkwbExLanJtVHZkVDZETENfZ0twWmQwcUdZbkh5a0w0LTM1aGhJUUozMldiaGdSUHlMRDNhQVFIU2o1XzNRWU1PY3hZYWpUX1ozWnhFckMybW16QnBLSS04cHU5ckN6eGVyZE81SA?oc=5) · IndiaWest
- 2015-11-13 [Sale of Citizens Bank leaves 44 foreign-owned banks that are FDIC-insured - Cleveland.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOdkFBNGxOM3pxTmtLcGhxVnJIVEtyYjVGcmRKd0IyRVhjYnR6bnBYdmtWU2MzalZnSWwyTXVBdkM2ZXRiVmVUSkZ4dGtEWTJ3Nm5hcndSV2laNW4yd012OEVFZTNXVEdjVGtNQ1VabnM0ZWVYWVlWYUZCaGxFNTZnbXJYQi0?oc=5) · Cleveland.com
- 2020-05-28 [Children’s Aid Sells Manhattan Office Building - CommercialSearch](https://news.google.com/rss/articles/CBMijAFBVV95cUxPNXRteUUtTG9IN254d29vUnNyNGpwenpadEt2LVJrWnVoclZjaURjek9fcWFuU2p3Q184ZG0wWGxSM3ptbnROVU1UTmJLNy1mZjI0TGlXNy1Ob0JrblItWEF1Wlo4Qi1yMkx0R09iNXRJcWVETDlrNjRTNUFoTmhOclAxdGJJZkQ2d3FnNA?oc=5) · CommercialSearch
- 2009-10-27 [U.S. Goes Easy on LA Bank Manager Once Accused of Hiding Drug $$$ - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMinAFBVV95cUxNbmlGc1g1OTZjbmxWUG9RRTYzdV9kUVZIMzhSWGE0ZW1XSElrQnNCbzZ5c0NYVnZEVDJvenhNVnl1WTVObWFIeWFWS1ZvVE1ZUXVURzkza0lZM1FYRldna1RBSlltaDQtd2NJcEUwczI4c0huVF9OVjI4d0RXdWw1d0FfQ1FZdDVDYWFwV2owOWtQWHJ1TFlTT1ZVWXLSAaIBQVVfeXFMTjBPYmFTQzNGOHlra0xia0Z1dXk4NWJXNmdubjdzT2RzaGw4ejBUVHE4S0twaHpCeGNIYWlJYURGRHlhTXJZOWhiNERwQ0MzM3VaZDFGMG9oNzBkeDUzMGtJaHhLejY4QWtYU3ZfeVF0Y3d0a3ktOERNazBKMFN2SUh6aTQ1Z0hOaEhkSlZhczZvSjJxUDFrSS1RQnp3ZHV4RGtR?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2020-12-09 [Dollar heist now from Janata Bank in USA - Prothom Alo English](https://news.google.com/rss/articles/CBMigwFBVV95cUxPOUVyYVo2M1BvTTcwU0NxVkVsbnpkQUl0OGZzMkt6Z25NSm9ZZ2pnTTJWbVNERTM1ai05OE1ha2QxOU1yOGcyb1p5cHdWSXVmcnpsX19DaU05eHI1TndzSTdRdEJ2ZUc1cnM1RGVRa3c0bzhPUExDdFg1dkpCelFMTVR0WdIBkAFBVV95cUxPaTllMHhhcWV4ejVMYXJkUVFPdGdvcEVyTUVUbWpFeWF5bzZ2WE1Qc0JacmNEYTIyeTRTbmlaNlJjdWx5Sk5RYzFBbWx3cFZzeGdvMm04NWpOajhtbDUxZEFseWtySWFQR2x5R1NZbXg2TUlFMW1NRzlyYkFCc3hhRnF3TFVRUkdXYWE2UldUQmQ?oc=5) · Prothom Alo English

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25093 (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/5.json (key "25093", 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