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Letter portraitLegal landscapeQuarterYTD

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 $0.0BQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $10.9B12%Noninterest $1.5BQ2 2025Q2 2026

NIM

6.15%Q2 ’245.69%Q2 ’255.30%Q2 ’26+1%+8%

Non-interest income vs. expense

2.32%Q2 ’242.28%Q2 ’252.26%Q2 ’26+1%0%

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 0.76%, up 26 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 1.18% of loans (+19 bps YoY), with net charge-offs at 0.07%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.76%+26 bps YoY

Net Interest Margin (quarter, annualized)

2.78%+20 bps YoY

Efficiency Ratio (quarter, annualized)

67.03%-445 bps YoY

Tier 1 Leverage Ratio

11.01%+51 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.70%0.35%0.74%0.76%+26 bps
Return on Equity4.99%7.03%3.61%7.28%7.39%+240 bps
Net Interest Margin2.58%2.67%2.79%2.71%2.78%+20 bps
Efficiency Ratio71.48%68.36%75.90%67.22%67.03%-445 bps
Non-Interest Burden1.67%1.66%1.97%1.65%1.67%0 bps
Growth
Asset Growth (YoY)11.10%9.08%4.14%2.98%5.55%-555 bps
Loan Growth (YoY)13.40%12.82%7.06%2.37%3.86%-954 bps
Deposit Growth (YoY)15.69%13.89%3.62%1.54%5.22%-1,047 bps
Asset Quality
Nonperforming Loans / Loans0.99%0.91%1.14%1.48%1.18%+19 bps
Net Charge-Offs / Loans0.17%0.02%0.33%0.25%0.07%-10 bps
Allowance / Loans0.89%0.86%0.95%0.94%0.94%+4 bps
Allowance Coverage of NPLs0.9x0.9x0.8x0.6x0.8x-0.1x
Capital
Tier 1 Leverage Ratio10.51%10.67%10.40%10.72%11.01%+51 bps
Total Risk-Based Capital14.72%14.19%14.74%15.03%15.27%+55 bps
Equity / Assets10.06%9.75%9.90%10.33%10.22%+16 bps
Liquidity & Funding
Loans / Deposits81.97%82.05%79.69%82.03%80.91%-107 bps
Liquid Assets / Assets11.75%12.83%14.58%13.27%14.66%+292 bps
CRE / Total Capitaln/a395%380%363%n/an/a