# MASHREQBANK PSC
NEW YORK, NY · FDIC certificate 33693 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $6.93B | |
| Deposits | $2.95B | |
| Loans and leases | $2.55B | |
| Total equity | $0 | |
| Loans / deposits | 86.42% (p49 of band) | 87.10% |
| Liquid assets / assets | 62.64% (p97 of band) | |
| Uninsured deposits / deposits | 0.00% (p0 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.45% (p25 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 | 13% | |
| Construction % of loans | – | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | 24.8% | |
| Employees | 0 | |

## Flags firing in the latest filing

- **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 | 6 | loans exceed deposits, wholesale funding >15%, leverage <7%, leverage <5%, NIM <2.5% |  |
| 2011-06 | 5 |  | wholesale funding >15% |
| 2011-09 | 5 |  |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 5 |  |  |
| 2012-06 | 5 |  |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 5 |  |  |
| 2013-06 | 5 |  |  |
| 2013-09 | 7 | liquid assets <10%, assets shrinking |  |
| 2013-12 | 5 |  | liquid assets <10%, assets shrinking |
| 2014-03 | 8 | liquid assets <10%, deposits shrinking, assets shrinking |  |
| 2014-06 | 5 |  | liquid assets <10%, deposits shrinking, assets shrinking |
| 2014-09 | 6 | deposits shrinking |  |
| 2014-12 | 5 |  | deposits shrinking |
| 2015-03 | 5 |  |  |
| 2015-06 | 6 | assets shrinking |  |
| 2015-09 | 6 |  |  |
| 2015-12 | 5 | deposits shrinking | loans exceed deposits, assets shrinking |
| 2016-03 | 5 | loans exceed deposits | deposits shrinking |
| 2016-06 | 7 | deposits shrinking, assets shrinking |  |
| 2016-09 | 6 |  | deposits shrinking |
| 2016-12 | 7 | deposits shrinking |  |
| 2017-03 | 6 |  | assets shrinking |
| 2017-06 | 5 |  | deposits shrinking |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 6 | assets shrinking |  |
| 2018-06 | 7 | deposits shrinking |  |
| 2018-09 | 5 |  | assets shrinking, deposits shrinking |
| 2018-12 | 5 |  |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 6 | assets shrinking |  |
| 2019-12 | 4 |  | loans exceed deposits, assets shrinking |
| 2020-03 | 5 | loans exceed deposits |  |
| 2020-06 | 4 |  | loans exceed deposits |
| 2020-09 | 4 |  |  |
| 2020-12 | 5 | assets shrinking |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 5 |  |  |
| 2021-12 | 6 | loans exceed deposits, deposits shrinking | assets shrinking |
| 2022-03 | 4 |  | loans exceed deposits, deposits shrinking |
| 2022-06 | 5 | loans exceed deposits |  |
| 2022-09 | 5 | deposits shrinking | loans exceed deposits |
| 2022-12 | 4 |  | deposits shrinking |
| 2023-03 | 4 |  |  |
| 2023-06 | 5 | loans exceed deposits |  |
| 2023-09 | 4 |  | loans exceed deposits |
| 2023-12 | 4 |  |  |
| 2024-03 | 6 | loans exceed deposits, deposits shrinking |  |
| 2024-06 | 6 |  |  |
| 2024-09 | 5 |  | deposits shrinking |
| 2024-12 | 6 | deposits shrinking |  |
| 2025-03 | 4 |  | loans exceed deposits, deposits shrinking |
| 2025-06 | 5 | loans exceed deposits |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 6 | assets shrinking |  |
| 2026-03 | 4 |  | loans exceed deposits, assets shrinking |
| 2026-06 | 4 |  |  |

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

- 2021-11-09 [Mashreqbank agrees to pay $100 mln to resolve US probe into Sudan sanctions violations - Reuters](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOZ1ltUmpoWU1VS0hIam9nTEZJaUtIQTRBY3JNZlFQTmVvOW55ZEx6LVNCNDJKWGMwOEFvdFlIak1ueXpVMEt5OWEwUUUxOGRGYUR4TERiMWFpWUtfMVVLbzdiSWt0R2szMHNJVjBRNVJha0hhSE00TG9KNWU0eDFtNlM2QkVxSXBnSXBMUkdteXRGNTZ1b1JhU3I3eldGaDJtZWZsaERvbHZhaFdCLXd5amJWOEMtRlNWakJIem54bUpTdnc?oc=5) · Reuters
- 2021-11-09 [Mashreq Bank Hit With $100 Million N.Y. Fine Over Sudan Violations - Bloomberg.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNbWFmajVEOXU0b1JTY3E0N0NyMGozT0otdm5SYXlaVXQxb0h4eFhIUlQ2aTJhdVFTT3R3Yndzel9hRzVFbVloMDFSSm1MbHd5MHhjb0VxYjkxM1BGcF9FanZidDJRd1pNUmtuUTBYRThCZTZQSy13QmQ4cnNOOG9Ub0dJc2x6UVpxM3NlV0lqQlRwWEJESFpnMTdpUndUODN3LTJCUXlONkdLMUpJODhURmlB?oc=5) · Bloomberg.com
- 2019-07-22 [Algosaibi sues Mashreq for role in 'massive fraud' - Gulf News](https://news.google.com/rss/articles/CBMinAFBVV95cUxPZ1NpQkJCTkJibTA4TUlTaTJFT0Rva1VCclhGQ2ROM241NWtlYUJpMmV1Mmt0eWwyREhRU3lPZVktZjhtRjVsTWxKSU5FU0ZfT3ZTVDlZTzYxR3BaUmJUMjIzX3h4dFR3YUFULWhVRFFiRmM2UjI5V2UtN05OZU85bHdJSmZDaTVKLVNvT0RkRy1VdlgtTDR0SDlQb2TSAa8BQVVfeXFMT2xDQkNjWWhCdnhlVFUwZS01Nmtpb056NHUwNGZNOVo5OVB5QUwwSnJmNGloQU9sREVFT1c5Zk4wWjg4N0EtNFRLMDktU1ItYXZlMURPTW9sMTdXcnR0blNZSDlmTmlCVTJFMEZya2ZmajFQVTE2cU5RMHJZMlhBdXZhYm9oeVZVeWhPNEtrRFJrSHJqWi10b0dfOVdEUlc2a2ZsRnlIZDBtLXZUNnFTcw?oc=5) · Gulf News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33693 (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/29.json (key "33693", 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