# MIZRAHI TEFAHOT BANK LTD
LOS ANGELES, CA · FDIC certificate 33661 · 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 | $7.39B | |
| Deposits | $4.82B | |
| Loans and leases | $3.81B | |
| Total equity | $0 | |
| Loans / deposits | 78.99% (p30 of band) | 87.10% |
| Liquid assets / assets | 47.43% (p94 of band) | |
| Uninsured deposits / deposits | 6.16% (p3 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 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 | 0.12% (p15 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 12% | |
| Construction % of loans | – | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | 45.7% | |
| 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 | 5 |  |  |
| 2011-09 | 4 |  | loans exceed deposits |
| 2011-12 | 4 |  |  |
| 2012-03 | 6 | assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 6 |  |  |
| 2012-09 | 5 |  | assets shrinking |
| 2012-12 | 6 | assets shrinking |  |
| 2013-03 | 6 | deposits shrinking | uninsured deposits leaving |
| 2013-06 | 6 | uninsured deposits leaving | assets shrinking |
| 2013-09 | 6 |  |  |
| 2013-12 | 6 |  |  |
| 2014-03 | 6 | assets shrinking | uninsured deposits leaving |
| 2014-06 | 5 |  | assets shrinking |
| 2014-09 | 6 | assets shrinking |  |
| 2014-12 | 5 |  | assets shrinking |
| 2015-03 | 5 |  |  |
| 2015-06 | 5 |  |  |
| 2015-09 | 4 |  | deposits shrinking |
| 2015-12 | 4 |  |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | assets shrinking |  |
| 2017-06 | 4 |  | assets shrinking |
| 2017-09 | 6 | assets shrinking, uninsured deposits leaving |  |
| 2017-12 | 5 |  | assets shrinking |
| 2018-03 | 4 |  | uninsured deposits leaving |
| 2018-06 | 7 | noncurrent p90, assets shrinking, uninsured deposits leaving |  |
| 2018-09 | 4 |  | noncurrent p90, assets shrinking, uninsured deposits leaving |
| 2018-12 | 6 | noncurrent p90, uninsured deposits leaving |  |
| 2019-03 | 5 |  | noncurrent p90 |
| 2019-06 | 6 | noncurrent p90 |  |
| 2019-09 | 4 |  | uninsured deposits leaving, noncurrent p90 |
| 2019-12 | 5 | deposits shrinking |  |
| 2020-03 | 5 |  |  |
| 2020-06 | 6 | noncurrent p90 |  |
| 2020-09 | 6 |  |  |
| 2020-12 | 5 |  | deposits shrinking |
| 2021-03 | 6 | assets shrinking |  |
| 2021-06 | 6 | deposits shrinking | noncurrent p90 |
| 2021-09 | 5 |  | deposits shrinking |
| 2021-12 | 5 |  |  |
| 2022-03 | 4 |  | assets shrinking |
| 2022-06 | 4 |  |  |
| 2022-09 | 5 | noncurrent p90 |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 5 |  |  |
| 2023-09 | 4 |  | noncurrent p90 |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 5 | assets shrinking |  |
| 2026-06 | 5 |  |  |

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

- 2026-07-29 [Mizrahi Tefahot Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9PRnc2c19zY0s4eGJaWlV4R3V3dmdWWlRjS1I2R2NjdFNyUXFxRzlWSE9BNXRqTXNwZVQyTmhWckxreWFqaUNHdkFsNFFENWJuVXdrN2RLaWF3WVc2eWRYUHBYSTRyUFpaekJYbWcyLURybzk5YTdR?oc=5) · reveliolabs.com
- 2025-05-27 [Top 100 Banker: Ryan Park - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMihgFBVV95cUxPVkdwS0VrWHhWbUtBcTlTTm12ZUp1cy1kTGhSazI2akhDSGtMSlhmMWVMZGVYT1pqRXMzYXdCT1pld2RtcGN4dzV1WTJFTnFGZ2stUkNYcVlfS2NzNk94VzMwYXF2U3oxa2RGdERHRHN5R3hmc3BIX0VJazl0cDhJRkE2VVBfQQ?oc=5) · Los Angeles Business Journal
- 2020-12-31 [Bank of Montreal, Mizrahi Tefahot Bank Leave Mexico - Mexico Business News](https://news.google.com/rss/articles/CBMikgFBVV95cUxQdHhYVWE2ZmFGVXNIcmxIYlo1dWZZRk1HbVh0bzc4bTBNMkNjYWFuVGVxcXNCblhvY0VjeGJOZGhydjBBNWFjZDFqT2UxaklUb1NWekhOcnN4N0ZwVGZrc05wMk52Y0pKeXppdi03T3ZQbVptTml6Mm1QZWVVUWY1M2xCcHp1bGF3YUM1UlpzdzhrQQ?oc=5) · Mexico Business News
- 2025-08-25 [Mizrahi Tefahot Bank Ltd – Council on Ethics - Etikkrådet](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBFMWE5dGNTdHJMWmh5a3IxU2xOc1hBdUhndDJqbHFEWGVLclhvYXRvQ05mcThvOUF3d2dJM3JOdUhGZjJ2eHNQeUFGVzBWbVB2cVdXTk5HaDRFNHZYQ3c?oc=5) · Etikkrådet
- 2019-03-12 [Israel's Mizrahi Tefahot to pay $195 million in U.S. tax case settlement - Reuters](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQMEdFeXAwWGQtTVpKRF9ZM3BjWGRhTlRncTJtS3gzVU9lUjZiMkE1Vlp4MnhJdWhTUDBWVzRUMG95cGtSN25NTFpKY21UUmY3ZHZjQkJfajdyN2I1UmhJa2g0SnRDY29vQlB4eER1MXZTOEYxa3pJQTFLMVFvbDB3LVdEamFrdjViUzZsR1d0b05GU1diUnJmUUpMWXpDM09CVlVySWY2NDZmcDQwVGk0RlY3MVlScDRJa05vWWYxOUxOQQ?oc=5) · Reuters
- 2019-03-13 [Major Israeli bank to pay $195m penalty for US tax-avoidance scheme - The Times of Israel](https://news.google.com/rss/articles/CBMikwFBVV95cUxPLTVOUmFoSDdFWk5UTXJOT2h2TFdCazV5Q1dPSFdzMDY1Z3M5VHdaWThLeFNlVjUtSEhYZnZBVDdhRmFUMmE0VGlqVmtNSEthMk9qMFNyX2dtZkFDNVpsQlFGSk5KSkh1X0Jzb0JqZU5BeS0zMk5HUU5BSDROSzRzSGpWVXU1RFdLSGVsM3NwQkIteDjSAZgBQVVfeXFMT25NaG9TeGdQQ2dsbGJaSWhCaVEwN1VhTkJrQ056WF94VHo4ZzlJNVFJYWhYcVJxenhZM1FXeUIyRkxPQnBLcFU0SGVRWi1OcVNKbkx2bUNFc0pkNllEOElHTU1GT1BVcmd4ZzlhYkdNTy1hbUxTdkJURHBQamQ1ME9EWWZqbnhLSnYzRkdkYm90enhzd3ppRWc?oc=5) · The Times of Israel
- 2025-05-20 [Top 100 Bankers | Event Recap - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiogFBVV95cUxOMEpRRWhGbmxZUzREc1RYRk91Y3NKU1g2YUM1MzJmanJidHhKUDI2dVQwbDRJQldVX3J1dFNZUkl1U0lHdXlIb3Qydk5hbTd5RnExSHk1MUQ4allxVjU4VFUtTExvUnJaN3h4S1Roa3JGNGI0Q0hNaUxXYW0xQjUxU2gxenh4eEcxcHZaSGc5cW4zWU5VeUZod016SDRUSmZRR2c?oc=5) · Los Angeles Business Journal
- 2024-09-02 [Big Six banks all hold contentious Israeli defence stock, but one Scotiabank-owned investment manager stands above all - The Globe and Mail](https://news.google.com/rss/articles/CBMitAFBVV95cUxQel9KS2x4SjJ5VFFCODdOZXdWNE5QYmJsckZ1bWx1YVRSQWdGSVBLTXpBcjEyandDSnNZMW04dEh1elNaSXpXWERkYWNqRmQzT0tnU1JQblRaNkJnQjlBWTI0OGM1ZnlmZWZxQlplSEFlV0RIaUtJZVNZR1NGRGdjMHJsUG9xRjQwcVhhZU10UHVqMWdTcC04RmZaWEpaaGlNcWF3RXM1bVVzeEJVdzRuRTc0QWY?oc=5) · The Globe and Mail

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33661 (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/61.json (key "33661", 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