# BANK OF INDIA
NEW YORK, NY · FDIC certificate 33648 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $7.42B | |
| Deposits | $5.73B | |
| Loans and leases | $3.89B | |
| Total equity | $0 | |
| Loans / deposits | 67.92% (p14 of band) | 87.10% |
| Liquid assets / assets | 46.24% (p93 of band) | |
| Uninsured deposits / deposits | 1.04% (p1 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p13 of band) | |
| FHLB advances / assets | – | |
| Tier 1 leverage | 0.00% (p0 of band) | 10.50% |
| Unrealized securities loss / equity | – | -7.75% |
| AOCI / equity | – | |
| ROA (annualized) | 0.00% (p2 of band) | 1.26% |
| Net interest margin | 0.00% (p1 of band) | 3.70% |
| Efficiency ratio | 0.00% (p1 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 0% | |
| Construction % of loans | – | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | 0.5% | |
| Employees | 0 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **NIM <2.5%** (`earn_nim`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, leverage <7%, leverage <5%, NIM <2.5% |  |
| 2011-06 | 4 |  | loans exceed deposits |
| 2011-09 | 4 |  |  |
| 2011-12 | 5 | loans exceed deposits |  |
| 2012-03 | 6 | liquid assets <10% |  |
| 2012-06 | 6 |  |  |
| 2012-09 | 6 |  |  |
| 2012-12 | 6 |  |  |
| 2013-03 | 5 |  | liquid assets <10% |
| 2013-06 | 6 | liquid assets <10% |  |
| 2013-09 | 5 |  | liquid assets <10% |
| 2013-12 | 5 |  |  |
| 2014-03 | 5 |  |  |
| 2014-06 | 5 |  |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 6 | liquid assets <10% |  |
| 2015-03 | 5 |  | liquid assets <10% |
| 2015-06 | 6 | liquid assets <10% |  |
| 2015-09 | 5 |  | liquid assets <10% |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 |  |  |
| 2016-06 | 6 | deposits shrinking |  |
| 2016-09 | 5 |  | deposits shrinking |
| 2016-12 | 6 | liquid assets <10%, assets shrinking | loans exceed deposits |
| 2017-03 | 7 | loans exceed deposits, uninsured deposits leaving | liquid assets <10% |
| 2017-06 | 8 | liquid assets <10% |  |
| 2017-09 | 8 |  |  |
| 2017-12 | 5 | noncurrent p90 | assets shrinking, loans exceed deposits, uninsured deposits leaving, liquid assets <10% |
| 2018-03 | 5 | loans exceed deposits | noncurrent p90 |
| 2018-06 | 5 | uninsured deposits leaving | loans exceed deposits |
| 2018-09 | 7 | deposits shrinking, assets shrinking |  |
| 2018-12 | 7 |  |  |
| 2019-03 | 8 | loans exceed deposits |  |
| 2019-06 | 7 |  | loans exceed deposits |
| 2019-09 | 7 |  |  |
| 2019-12 | 7 |  |  |
| 2020-03 | 6 |  | uninsured deposits leaving |
| 2020-06 | 5 |  | assets shrinking |
| 2020-09 | 5 |  |  |
| 2020-12 | 6 | loans exceed deposits |  |
| 2021-03 | 5 |  | loans exceed deposits |
| 2021-06 | 6 | assets shrinking |  |
| 2021-09 | 6 | loans exceed deposits | assets shrinking |
| 2021-12 | 5 | assets shrinking | deposits shrinking, loans exceed deposits |
| 2022-03 | 5 |  |  |
| 2022-06 | 4 |  | assets shrinking |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 5 | uninsured deposits leaving |  |
| 2024-09 | 6 | assets shrinking |  |
| 2024-12 | 5 |  | assets shrinking |
| 2025-03 | 5 |  |  |
| 2025-06 | 4 |  | uninsured deposits leaving |
| 2025-09 | 5 | uninsured deposits leaving |  |
| 2025-12 | 7 | deposits shrinking, assets shrinking |  |
| 2026-03 | 6 | loans exceed deposits | uninsured deposits leaving, deposits shrinking |
| 2026-06 | 5 |  | loans exceed deposits |

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

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- 2026-03-06 [RICO Strikes (Out) Again in the Commercial Division: Bank of India v Anaya Gems - JD Supra](https://news.google.com/rss/articles/CBMifEFVX3lxTFA3RFctTGo3OTFvN3BNcmNGOGMzNWJxRjVVLVY4U3RtRFgwX05ocTJ5MzBQRFBzNENZUjR4T0FiTzJaaDJmUnVicFFkejhhdkt4aVRYbTlRM1JyX09xdjZNUVNKdG8tVm14NG9sM0VGWlBJdjBJc1h3UFpJaGw?oc=5) · JD Supra
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- 2026-06-15 [Central banks repatriate gold as global insecurity rises - ft.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQSlE0bUp1S3gtWXJyV3hkYmFnV3BncjQxNFBMWHd4THowUE95SkRhN1A1c1VhS3JOTnBXY205UlAtYzhxUTBwUXp3eHBMWjBoeTJaUENDVUZjeEd3Qk5UVzgyNkxFRW9Rcm16ZXZhckhuN19IZ3BSQWRNb2dQRHpUV0FVRUQ?oc=5) · ft.com
- 2026-04-21 [Indian Consulate, NY, Hosts Round Table With RBI Governor Sanjay Malhotra - News India Times](https://news.google.com/rss/articles/CBMioAFBVV95cUxQcEpEQ2RLbGNoMmw0NE9zNDdRd0xrSFlVUWhqUkxBS3JIV0wycklYLWpMN0ZJSGhURmdhV0d6czBYdDlJbHZqdGRTc0tBQkJrbDlRN2dELVUyV3lYWFZ1WWF3Nm1UM1BxWVRORW5RZlVHQ3c4cEdGbWJZVGFSODNRMnNhODhSUndhRHNYQzVMY0JNeXFjUUFCVUdIZ1J5a21t?oc=5) · News India Times
- 2026-07-09 [Fed Chair Kevin Warsh names Marc Andreessen, ex-Walmart CEO and others to lead task forces - New York Post](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPdTJaNy1qcDBXaEV4cl80N2pkTUpjSEhrRHdtY1JGMncxQTF0eld3R1dSTTI0b1hZUWgwaW1IN1lwNmoxV0lXR29IeWVZOTRYa2J6ZjNoUWw3T2ZTQ3BEZlFCdnMydkNFaVFVeV9xT0IxbzRGcUsyNDFSdF9hbXUtSmVFekdaVlY2dGgyYUpLVzZ4elFlY284a19odUd4Wi1EOGZHU0UwSDhRNFJFcXdUS1BQTnF2ajBOZ0UwbkVyRkRDbGV3N1dITA?oc=5) · New York Post
- 2026-07-16 [State Bank of India | World’s Best Consumer Bank 2026 - Global Finance Magazine](https://news.google.com/rss/articles/CBMikwFBVV95cUxOc3NOM3A5U21oZF9aSGxsX2NWRkhRdkRmZmxEZ25YRUpPTDVsMW9BSnMxR0pRdlA5UFNwZ0NrOVBveC1EaXo2VDQxc090Yk01TzZBYkdETm16a0l0ZUJkSC1jdjF5OXhiNTBvNjNKczlIaEJSeTlKMnRpUEdhVldaTDN5NEpBUnpUQk9mLU43THBfNWc?oc=5) · Global Finance Magazine
- 2026-04-27 [The U.S. Started the War. The Rest of the World Is Feeling the Effects. - The New York Times](https://news.google.com/rss/articles/CBMihgFBVV95cUxOcHlFaVlQZ1R1cnJ4NWJkclNsNmJVZ293eW50UEQ3bC1xTFZVU19sRjhLdlNiOV9aUER3cDZCamhpRGlTMEN4WVA5UnU3X0l3WnpncWttMmxGS0FWQ3VhYzEzejZmdkdPQk14aG1RYU5pR1daYmZfSXFFYy1NMkxCcnJxdW54UQ?oc=5) · The New York Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33648 (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/48.json (key "33648", 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