# STATE BANK OF INDIA
NEW YORK, NY · FDIC certificate 33682 · asset band $10-100B · 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 | $22.51B | |
| Deposits | $13.15B | |
| Loans and leases | $14.14B | |
| Total equity | $0 | |
| Loans / deposits | 107.47% (p96 of band) | 85.78% |
| Liquid assets / assets | 36.10% (p86 of band) | |
| Uninsured deposits / deposits | 2.95% (p5 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.93% (p47 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 | 3.4% | |
| 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`)

## 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 | 5 |  |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 6 | wholesale funding >15% |  |
| 2012-06 | 5 |  | wholesale funding >15% |
| 2012-09 | 8 | wholesale funding >15%, liquid assets <10%, uninsured deposits leaving |  |
| 2012-12 | 7 |  | uninsured deposits leaving |
| 2013-03 | 6 |  | liquid assets <10% |
| 2013-06 | 7 | uninsured deposits leaving |  |
| 2013-09 | 5 |  | wholesale funding >15%, uninsured deposits leaving |
| 2013-12 | 6 | liquid assets <10% |  |
| 2014-03 | 5 | assets shrinking | loans exceed deposits, liquid assets <10% |
| 2014-06 | 6 | loans exceed deposits, uninsured deposits leaving | assets shrinking |
| 2014-09 | 5 |  | loans exceed deposits |
| 2014-12 | 5 | deposits shrinking | uninsured deposits leaving |
| 2015-03 | 7 | loans exceed deposits, uninsured deposits leaving |  |
| 2015-06 | 5 |  | deposits shrinking, uninsured deposits leaving |
| 2015-09 | 7 | deposits shrinking, assets shrinking |  |
| 2015-12 | 8 | uninsured deposits leaving |  |
| 2016-03 | 8 |  |  |
| 2016-06 | 9 | noncurrent p90 |  |
| 2016-09 | 7 |  | assets shrinking, noncurrent p90 |
| 2016-12 | 7 | wholesale funding >15% | uninsured deposits leaving |
| 2017-03 | 5 |  | deposits shrinking, wholesale funding >15% |
| 2017-06 | 5 |  |  |
| 2017-09 | 6 | assets shrinking |  |
| 2017-12 | 5 |  | assets shrinking |
| 2018-03 | 4 |  | loans exceed deposits |
| 2018-06 | 5 | loans exceed deposits |  |
| 2018-09 | 6 | assets shrinking |  |
| 2018-12 | 4 |  | loans exceed deposits, assets shrinking |
| 2019-03 | 5 | loans exceed deposits |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 5 |  |  |
| 2020-03 | 5 |  |  |
| 2020-06 | 5 |  |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 6 | uninsured deposits leaving |  |
| 2021-06 | 6 |  |  |
| 2021-09 | 5 |  | uninsured deposits leaving |
| 2021-12 | 5 |  |  |
| 2022-03 | 5 |  |  |
| 2022-06 | 5 |  |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 7 | assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 6 |  | assets shrinking |
| 2023-06 | 6 |  |  |
| 2023-09 | 6 |  |  |
| 2023-12 | 5 |  | uninsured deposits leaving |
| 2024-03 | 5 |  |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 5 |  |  |
| 2025-06 | 5 |  |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 5 |  |  |
| 2026-06 | 5 |  |  |

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

- 2026-09-08 [Arcil Rs 733-crore IPO to open on September 9; institutional investors invest Rs 220 crore via anchor book - Moneycontrol.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQZTRNRVR4TFpfdnZRNEZWUzRRZzk2eVZnYV9Fa24zUU9aNXhwRmI4UVdzakdTVDljWXB6NVdEV2ZIRkN5VDduTW14dlBoZlFxY3ZLalZKUGxZRFZlajNOOE0xNVRaVDVfeTBiNWVIMDAwNFFrcmlfRnBDbXhGeXZLYWNYSWZPNFhuSl84bF9BOHlDRW9US1R0dVpabWVRdzJBTDZ0TkpZbE1KRHRSaW9nVC1pNDR2cUFZbFo2YVUybV9sWmpuZXoyQ2NRU0pDc1pkc0FoazJ1SmROWFZnYlNDLURYUGpyLUhLTm5SRXg3c1hJUXZ6bU43RVBR0gH_AUFVX3lxTFAtaDNJSG9WODdkZi12V2ZMNFBIV083bDltanU4X3d2VTlQVkxfcmJ2NnQwNDZQbm9qZk42cExCZjlEVDBGZS0zSWRsckNLRkhBMUVVU1ZBbjFkWHQ3SHgyWFpNb2MxSVJPT2RuZGhGMng0ZWpRNy1MSTNCamE4SkZudVlWM2dwQjRrT3d5WkloTkRWNGVwREM0ajZsM0NCREVtdDJkUDZrYURCX01QdjV0V0lGQnQ0T3A1R2hyeE9qd2xJUWFURG9zWndKM1dGUWF3OGdtWVljRm1fY1hYX0gxR2VEaV9XYnE0SERwT1ZnVkQwN0JKNEY2SDNEMjBFMA?oc=5) · Moneycontrol.com
- 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
- 2026-07-31 [State Bank of India's perpetual bond demand seen spurring more issuances, bankers say - Reuters](https://news.google.com/rss/articles/CBMixwFBVV95cUxNNTY0TFhnOENLOWJJUmhoLTI4TkhuS3hDYUg4MVJaNUtqU1k4T2tOdG5WOFFndzRNZjNhRENGXzhTOTRzWTNvWmNVbWFKbXV5RnhybnFFSExfdFJEUjdCTlZ1Q0hyNGlQOWt4RlJMOEU5alE0UWxmaHY1S3d4eGp3TkJwcjVyUHBSQmNLbmpHTXpoemI3U20zc1lXc2F2VWNCNWM1UzJ4UXpITy02SUFoYndNdWNZMVc3a090YXBXS2hINmpkTl9V?oc=5) · Reuters
- 2024-02-24 [Mr. Amit Verma appointed as Country Head Of State Bank of India, US Operations, New York - The Indian Panorama](https://news.google.com/rss/articles/CBMivgFBVV95cUxNdThmYWZFNGJNV2NRTVIyVjRGNlV3LWZ5dnkzeW9NVmFuRmJKc2ZNQVBLZUY3UnFqQU5RMjN3bWVKb2Q1RW1adWo4M2JnU19vc2NOQVpQRmxNVURwbFJaenhscDFQUWh3SWFoRkZtTTVVamxvZjlabkt4TjFEMFNoa0EzcThLTVZYb29XTkp2QXdyQkMwZjF2eS0zbUdfeWNyTjBkR0p5LUpiSjZRWHRMZ2p3RlNCRGE5N3lJUEhB?oc=5) · The Indian Panorama
- 2026-09-03 [State Bank of India slides Thursday, still outperforms market - MarketWatch](https://news.google.com/rss/articles/CBMitwFBVV95cUxPQnMyUkV2ZmNOWmk5OGRZczRCX1ZSSllDa3hiSlQ2MHlJZlB6QWtYaTltSDdSbEduVXpzQW1EVUYwaDdSYU0yR1hhdi10S2E2SkZzdVNOT2hYYkljUEFNZ3VFWUhLeGxCcWJvdXMwUy1XbmJtU0NKaFNFVUJfRjdfVU9wSXRFdWJxUmJmSkJOUnI1TlhfampuN2Z3SFVraHFVVS1teUVQOExFWVlyYl9BSWtUZ2VWcUU?oc=5) · MarketWatch
- 2025-10-23 [SBI receives 'World's Best Consumer Bank 2025' award from Global Finance - bfsi.economictimes.indiatimes.com](https://news.google.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?oc=5) · bfsi.economictimes.indiatimes.com
- 2025-03-13 [Park Avenue boom lifts Midtown office market: ‘Never give up on NYC’ - New York Post](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQdEk5WWN4a3dNRWNvd0ZYZzRtT0VzeW94Z1Ztdm9aNzB6T05VdThsSlN2NFA0Q3Noc00zNkNWMUF1MkI5bTRhNER3MnVHSmhSMkhyTkhqTVFMeS1VVHdvWXpqMWVCWVBUdU5LRWw3bm5fMHJlNTJnOWJ2UVpVcUF3Mng5YnJ5bGoxa2xKOW0yTmlsc2hseXFHSEdScDZJckJ2cFJiTkJ1U3E?oc=5) · New York Post
- 2026-03-10 [State Bank of India shuns Russian oil payments despite US reprieve - economictimes.com](https://news.google.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?oc=5) · economictimes.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33682 (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/18.json (key "33682", 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