# BANK HAPOALIM B M
NEW YORK, NY · FDIC certificate 33686 · 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 | $11.04B | |
| Deposits | $8.21B | |
| Loans and leases | $8.61B | |
| Total equity | $0 | |
| Loans / deposits | 104.88% (p93 of band) | 85.78% |
| Liquid assets / assets | 19.46% (p36 of band) | |
| Uninsured deposits / deposits | 6.90% (p11 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p2 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 | 1.92% (p92 of band) | 0.66% |
| Net charge-offs (annualized) | 0.00% (p11 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 57% | |
| Construction % of loans | – | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | 16.1% | |
| 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`)
- **noncurrent p90** (`aq_noncurrent`)

## Warning timeline

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

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

- 2020-05-01 [Israel’s Largest Bank Pays $874 Million in U.S. Tax Evasion Case - wsj.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxPeVhTa2p2VGh1N01LbG9zeU9nYTRRTC0xNnZTSGl3WHlqWTdfSFhveE9tRGFFZW83ai10azNIbXpCTnVFLUFXeFZnYmJrYkVzNm9PWHRqWXFCR1VzcC01TjNuZmx3UzdYbXhrYUNpcEwyOHI5dGp6a2xVc3hXVUV1N0t6QmE5OEtaaVd4OFZCTGlCOWZOd3FNNjVVTTNIU1pLSUt1Xw?oc=5) · wsj.com
- 2024-03-22 [Israeli Bank Defeats Sex Bias Suit by New York CEO’s Assistant - Bloomberg Law News](https://news.google.com/rss/articles/CBMipAFBVV95cUxQM095a0NITm1ITUF1d2p4a25zUDhwN3g5T0J0enQxWTlteFNjZ195Y0s1N1l4bDhjSkhDajVlZkJrakhkZEJybXNOM2Z2b3JWZHpSX2FsYkdCMUFKTHM0b1lGak9qNDYwczRQRktVN3U4cnZDTktUOERVOHQ5NWRmN0hybjV4WWtRY2pZTnhxV0NuQXo3Ql9JWno4am9zd1dQc3BkVA?oc=5) · Bloomberg Law News
- 2023-08-03 [BHI continues to provide liquidity to CRE and Healthcare clients - The Real Deal](https://news.google.com/rss/articles/CBMiswFBVV95cUxQMlFxTmhBMDRBbzlqcHJsZGxhN2dqdm5XV2U3MWxYbGNDWnl1YnU4TEdNb0hJd0xFOGJUU1hfellEXy03UTNGaERrWE04clhQVG9HQktaMTJDeDJTY0daMmFtV3libDFJNi1hU0ozbHhkUzFuaWFNMHBLWHcyUE10OGJKWWVRT2ZRRDZuTlRET3ZncThJb0RxNmUyVGJ1OWNEWXZNYXl3TjNKUmJxYzh0WkF3Yw?oc=5) · The Real Deal
- 2025-04-22 [BHI and Northwind Group provide $170 million construction loan to Nortco Development for 36 unit condo project - New York Real Estate Journal](https://news.google.com/rss/articles/CBMiQ0FVX3lxTE9hSjl0aDhxTWZfVWg5VHB1VzhlMDREajlRWmcyUUlTU19zTDk4MGE4eFZvdDZBNFVuazUydEdtTjk2ZVU?oc=5) · New York Real Estate Journal
- 2025-07-16 [Bank Hapoalim Takes Over Fulton Street Development Site for $37M - Commercial Observer](https://news.google.com/rss/articles/CBMihwFBVV95cUxPUzJldnZheV9Sa0pJVVRSZmdQUlZkTklBWVJDVjhMOFJYbVBMQVlaRjA1V0tOVl84MlRUdms5dFBZbUFHUWRubXEzemN3QlVOQVkxc3VucHFoY3ZoeUg2U2Uzd0RlMUpVRzkxSVZvZmpLVndSWHllTDhCaUEtVDJfUjNsSk9HZm8?oc=5) · Commercial Observer
- 2020-05-01 [Bank Hapoalim to pay $904 million for role in FIFA bribe scandal, US tax evasion - The Times of Israel](https://news.google.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?oc=5) · The Times of Israel
- 2025-04-03 [BHI Serves As Senior Lender for $99M Construction Loan To Renovate 95 Madison Avenue, Also Known As The Emmet Building, For An Office-to-Residential Conversion - Yield PRO](https://news.google.com/rss/articles/CBMiW0FVX3lxTFBKNTE3OXYzUWJ4OVc4RXEzckJNQmJoMnhtU1BoT29nUGdkOE53UW5xNFdycDFEWU5xYzRxdVRvWXR3WENPVlpSeXdVdm80XzRYYWlxcXN6V3BjMlE?oc=5) · Yield PRO
- 2023-12-31 [New York developer secures $18M construction loan for Allapattah project - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPM3NJTmQtVGt1dXlsRTdRTk1fYTNjbUoyWklwNnRGSnk2czc3Q2FCUVdpUjFhTVVzbkpwcWVvbWZrTTBGVjI1VzdhYXRiOFFMUzlZQTJuSk5nV1oxQXh1NXlfbnNjQ01pN3h5WlMzNUEwVXNQcVZnZXVFdHJDVUdobk5HanpPa2I3WDVmcUp3N25FWHR2Ul84NzIwc1ZvX2sxLWpvSGdkb2M3ZGk5aWQ4?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33686 (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/22.json (key "33686", 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