# BANK OF BARODA
NEW YORK, NY · FDIC certificate 33681 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $16.24B | |
| Deposits | $9.91B | |
| Loans and leases | $10.37B | |
| Total equity | $0 | |
| Loans / deposits | 104.67% (p92 of band) | 85.78% |
| Liquid assets / assets | 35.61% (p83 of band) | |
| Uninsured deposits / deposits | 0.25% (p2 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.43% (p18 of band) | |
| FHLB advances / assets | – | |
| Tier 1 leverage | 0.00% (p3 of band) | 10.17% |
| Unrealized securities loss / equity | – | -7.43% |
| AOCI / equity | – | |
| ROA (annualized) | 0.00% (p4 of band) | 1.24% |
| Net interest margin | 0.00% (p3 of band) | 3.57% |
| Efficiency ratio | 0.00% (p3 of band) | |
| Noncurrent loans | 0.00% (p3 of band) | 0.66% |
| Net charge-offs (annualized) | 0.00% (p11 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 | 11.2% | |
| Employees | 0 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **NIM <2.5%** (`earn_nim`)
- **uninsured deposits leaving** (`flight_uninsured`)

## 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 | 4 |  |  |
| 2012-06 | 5 | loans exceed deposits |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 5 |  |  |
| 2013-06 | 5 |  |  |
| 2013-09 | 5 |  |  |
| 2013-12 | 5 |  |  |
| 2014-03 | 5 |  |  |
| 2014-06 | 6 | uninsured deposits leaving |  |
| 2014-09 | 5 |  | uninsured deposits leaving |
| 2014-12 | 6 | uninsured deposits leaving |  |
| 2015-03 | 6 |  |  |
| 2015-06 | 5 |  | uninsured deposits leaving |
| 2015-09 | 6 | liquid assets <10% |  |
| 2015-12 | 5 |  | liquid assets <10% |
| 2016-03 | 6 | assets shrinking |  |
| 2016-06 | 6 | liquid assets <10% | assets shrinking |
| 2016-09 | 6 | deposits shrinking | liquid assets <10% |
| 2016-12 | 7 | liquid assets <10%, assets shrinking | deposits shrinking |
| 2017-03 | 5 |  | liquid assets <10%, assets shrinking |
| 2017-06 | 6 | liquid assets <10% |  |
| 2017-09 | 6 |  |  |
| 2017-12 | 6 |  |  |
| 2018-03 | 5 |  | liquid assets <10% |
| 2018-06 | 6 | deposits shrinking |  |
| 2018-09 | 7 | assets shrinking |  |
| 2018-12 | 6 |  | assets shrinking |
| 2019-03 | 6 |  |  |
| 2019-06 | 6 |  |  |
| 2019-09 | 5 |  | deposits shrinking |
| 2019-12 | 6 | deposits shrinking |  |
| 2020-03 | 5 |  | deposits shrinking |
| 2020-06 | 6 | assets shrinking |  |
| 2020-09 | 5 |  | assets shrinking |
| 2020-12 | 7 | noncurrent p90, deposits shrinking |  |
| 2021-03 | 8 | assets shrinking |  |
| 2021-06 | 6 |  | noncurrent p90, assets shrinking |
| 2021-09 | 7 | assets shrinking |  |
| 2021-12 | 7 |  |  |
| 2022-03 | 6 |  | deposits shrinking |
| 2022-06 | 7 | uninsured deposits leaving |  |
| 2022-09 | 7 |  |  |
| 2022-12 | 6 | noncurrent p90 | loans exceed deposits, assets shrinking |
| 2023-03 | 7 | loans exceed deposits |  |
| 2023-06 | 7 |  |  |
| 2023-09 | 6 |  | noncurrent p90 |
| 2023-12 | 5 |  | uninsured deposits leaving |
| 2024-03 | 5 |  |  |
| 2024-06 | 4 |  | loans exceed deposits |
| 2024-09 | 5 | loans exceed deposits |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 4 |  | loans exceed deposits |
| 2025-06 | 5 | loans exceed deposits |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 6 | uninsured deposits leaving |  |
| 2026-06 | 6 |  |  |

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

- 2026-07-27 [India’s Bank of Baroda faces alleged 1TB data leak on dark web - Yahoo Finance](https://news.google.com/rss/articles/CBMimwFBVV95cUxOd1lUdHBBeXJvVWkxTUxqRjFIOW5zaFdKUzhsNFE1amFMVE5oa2xYT0RmSGdmZ2ZNYjBVNkJhcHFCdXJlYklNdTZYXy1WRVlTb2pqcVFPaWR4NnpzdEJTYnlYdzZrVk0wT2Q3ckJ0cWZmb3NkZTJYbDd2U3p3OFA4TVZOZmdzODdNOGoycnNHTW40czRvQnBRb05LMA?oc=5) · Yahoo Finance
- 2026-05-16 [Bank of Baroda Chief Executive US Operations Mr. Elango heads on promotion to corporate office in Mumbai - The Indian Panorama](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPdlB6TnZXVVk2RG5JeGs5QWJ6N2trUjdCa05fRTEzaUNhd2lTS1ZCcTlkWkpmdkwzdXMyckdJaU1pcnl5aHhmTkV3cG1MdjFBa1lzblc3bURhWTYtOW5MSVhLNzI0c3JSTDQ3a25qTlZ4UzNpc0FUWWh2NVM1RVhIMlVleGJEX1hHeE5yQWFMdDNKRi10MzZPcUh5ZFA2UVhLemJ6Yk1pbVFpOU5OZWhSM0IzRXhmRWg5Z2diOFc4MXVzUGYzTDdjWk9RUi1JRDQzSEpBVzZR?oc=5) · The Indian Panorama
- 2026-07-28 [Bank of Baroda confirms employee email breach; here's what customers need to know to stay protected - Firstpost](https://news.google.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?oc=5) · Firstpost
- 2026-07-03 [Bank of Baroda enters 5.7k crore settlement with creditors of NMC Health - The Times of India](https://news.google.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?oc=5) · The Times of India
- 2026-04-03 [Bank of Baroda Q4 update: PSU lender reports 14% YoY growth in global business; deposits rise 12% - economictimes.com](https://news.google.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?oc=5) · economictimes.com
- 2026-07-02 [Bank of Baroda Pays US$600mn To Settle NMC Health Legal Dispute, Shares Fall over 4% - Moneylife](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQMjRNbkw2Qlc3MFBKQTFXQXBBUnBTbExfRkxNQ0dWVlB2NXFWdHlBUGdZMWpUZjIwUnQtRl9iZDJLMXV4ZEN6ajJUVUhBTXJtTmQ1ai1OT25ncW0xZ3E5b0F2WGxlNDhxTTlyaTdjWGtndjFmOU9lRG11ZmVfVVFweDB2ME9qc093aUE4VGVZTklhNkdjNGtNY3BXa2tGOEE4cUV5OGQwZHhwYzNXQUFFNDExYW1OQ0VELUFiWjY4dXFjaG9CNDJWdlVOTzFNSXZwcXc?oc=5) · Moneylife
- 2026-06-24 [Bank of Baroda - Forbes](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1ieGNzdllWTVF0aFlXM3RpUHcyenJXVmltejNpT0tuU0YyUHVEd21BVHBJYUNic3VNVEZGNk1tSFduZDIwR1pld2dEck8zWndGano4THlBclJRRDNE?oc=5) · Forbes
- 2026-06-30 [Mizuho Partners With Bank of Baroda to Finance India Deals - Bloomberg.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxNM3BfcTdiWDFNOEc2dllJWUN0LTIxNi1uNC1obzlobHh0Z3hQRHMybXhMTjI1T0FOb2lWalloUzhYdWdaNnhJc1lqZ1pwS19EcXVZbDE5Nkw5VTQ0MDUybWNfdS1XX2xJdFRBdmNMLUVrZGZxYk5nZnY5NloyMXNzU0JzVUJUVTB5OElxclZya3JSNFJuTVQ2Um0wTHJrLWlISVBJaDQwR2YzbkxadVE?oc=5) · Bloomberg.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33681 (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/17.json (key "33681", 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