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Israel Discount Bank of New York

New York, NY · Cert 19977 · Israel Discount Bank Ltd.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

53

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

20

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Israel Discount Bank of New York

New York, NY · Cert 19977 · Israel Discount Bank Ltd.

State charter, non-member · FDIC · 7 branches

Q2 2026

$14.4BAssets
$10.0BLoans
$12.3BDeposits
$1.5BEquity
Loan mix
67%RE $5.7B33%C&I $2.8B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $10.9B12%Noninterest $1.5BQ3 2024Q2 2026

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.3% share · #30 of 151 inst. · $9.5B of $2921.1B

0.5% New York
0.9% Miami-Dade
0.3% Los Angeles
0.5% Kings

Executive Summary

  • Earnings: ROA of 0.74%, up 18 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 1.18% of loans (+19 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 11.01%, up 51 bps from a year ago.
  • Funding: loans stand at 80.91% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.74%+18 bps YoY

Net Interest Margin (YTD, annualized)

2.76%+17 bps YoY

Efficiency Ratio (YTD, annualized)

67.13%-350 bps YoY

Tier 1 Leverage Ratio

11.01%+51 bps YoY

NIM

6.13%Q2 ’245.67%Q2 ’255.29%Q2 ’26-1%+7%

Non-interest income vs. expense

2.29%Q2 ’242.25%Q2 ’252.22%Q2 ’26-1%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.70%0.64%0.57%0.61%0.54%0.74%0.74%+18 bps
Return on Equity6.36%7.09%6.58%5.78%6.20%5.54%7.28%7.33%+155 bps
Net Interest Margin2.56%2.43%2.61%2.58%2.61%2.59%2.71%2.76%+17 bps
Efficiency Ratio70.81%70.61%69.78%70.63%69.87%71.49%67.22%67.13%-350 bps
Non-Interest Burden1.63%1.55%1.63%1.65%1.65%1.69%1.65%1.67%+2 bps
Growth
Asset Growth (YoY)6.24%13.39%13.05%11.10%9.08%4.14%2.98%5.55%-555 bps
Loan Growth (YoY)8.47%13.76%16.39%13.40%12.82%7.06%2.37%3.86%-954 bps
Deposit Growth (YoY)5.51%16.94%15.67%15.69%13.89%3.62%1.54%5.22%-1,047 bps
Asset Quality
Nonperforming Loans / Loans0.52%0.51%0.97%0.99%0.91%1.14%1.48%1.18%+19 bps
Net Charge-Offs / Loans0.14%0.14%0.01%0.09%0.07%0.13%0.25%0.16%+6 bps
Allowance / Loans0.93%0.80%0.85%0.89%0.86%0.95%0.94%0.94%+4 bps
Allowance Coverage of NPLs1.8x1.6x0.9x0.9x0.9x0.8x0.6x0.8x-0.1x
Capital
Tier 1 Leverage Ratio11.07%10.55%10.49%10.51%10.67%10.40%10.72%11.01%+51 bps
Total Risk-Based Capital14.86%14.64%14.42%14.72%14.19%14.74%15.03%15.27%+55 bps
Equity / Assets9.78%9.46%9.92%10.06%9.75%9.90%10.33%10.22%+16 bps
Liquidity & Funding
Loans / Deposits82.83%77.13%81.37%81.97%82.05%79.69%82.03%80.91%-107 bps
Liquid Assets / Assets13.91%16.92%12.68%11.75%12.83%14.58%13.27%14.66%+292 bps
CRE / Total Capitaln/an/an/an/a395%380%363%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Israel Discount Bank of New York

New York, NY · Cert 19977 · Peer group: banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=15) · Israel Discount Bank Ltd.

State charter, non-member · FDIC · 7 branches

Q2 2026

$14.4BAssets
$10.0BLoans
$12.3BDeposits
$1.5BEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 60% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 6 of 15).
  • Widest gap: nonperforming loans / loans trails 87% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 14 of 15).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.74%

Rank 12 of 15

Net Interest Margin

2.76%

Rank 6 of 15

Efficiency Ratio

67.13%

Rank 13 of 15

Equity / Assets

10.22%

Rank 8 of 15

Non-interest income vs. expense

$78.7M$314.3MINCOMEEXPENSE
Unfavorable gap of $235.6M · efficiency ratio beats 20% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 67.13%Peer median 55.4%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.74%0.74%0.98%1.14%Beats 20%12 / 15
Return on Equity7.22%5.21%8.81%10.53%Beats 33%10 / 15
Net Interest Margin2.76%1.76%2.56%3.09%Beats 60%6 / 15
Efficiency Ratio67.13%49.33%55.36%65.80%Beats 20%13 / 15
Asset Quality
Nonperforming Loans / Loans1.18%0.39%0.66%0.92%Beats 13%14 / 15
Net Charge-Offs / Loans0.09%0.01%0.03%0.10%Beats 40%10 / 15
Capital
Tier 1 Capital Ratio14.38%12.31%14.32%17.39%Beats 53%7 / 15
Total Risk-Based Capital Ratio15.27%13.34%14.76%19.29%Beats 60%6 / 15
Equity / Assets10.22%8.06%10.22%12.59%Beats 47%8 / 15
Liquidity & Funding
Loans / Deposits80.91%52.62%85.61%96.57%33rd pctl10 / 15
Loans / Assets69.28%32.81%69.81%78.17%33rd pctl10 / 15
Brokered Deposits / Depositsn/aNot reported for this institution