New York, NY · Cert 19977 · Israel Discount Bank Ltd.
State charter, non-member · FDIC · 7 branches
Q2 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
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.88% | 0.64% | 0.50% | 0.70% | 0.35% | 0.74% | 0.76% | +26 bps | |
| Return on Equity | 6.73% | 9.16% | 6.58% | 4.99% | 7.03% | 3.61% | 7.28% | 7.39% | +240 bps | |
| Net Interest Margin | 2.59% | 2.55% | 2.61% | 2.58% | 2.67% | 2.79% | 2.71% | 2.78% | +20 bps | |
| Efficiency Ratio | 70.59% | 70.03% | 69.78% | 71.48% | 68.36% | 75.90% | 67.22% | 67.03% | -445 bps | |
| Non-Interest Burden | 1.64% | 1.63% | 1.63% | 1.67% | 1.66% | 1.97% | 1.65% | 1.67% | 0 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 / Loans | 0.52% | 0.51% | 0.97% | 0.99% | 0.91% | 1.14% | 1.48% | 1.18% | +19 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.14% | 0.01% | 0.17% | 0.02% | 0.33% | 0.25% | 0.07% | -10 bps | |
| Allowance / Loans | 0.93% | 0.80% | 0.85% | 0.89% | 0.86% | 0.95% | 0.94% | 0.94% | +4 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.6x | 0.9x | 0.9x | 0.9x | 0.8x | 0.6x | 0.8x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.07% | 10.55% | 10.49% | 10.51% | 10.67% | 10.40% | 10.72% | 11.01% | +51 bps | |
| Total Risk-Based Capital | 14.86% | 14.64% | 14.42% | 14.72% | 14.19% | 14.74% | 15.03% | 15.27% | +55 bps | |
| Equity / Assets | 9.78% | 9.46% | 9.92% | 10.06% | 9.75% | 9.90% | 10.33% | 10.22% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.83% | 77.13% | 81.37% | 81.97% | 82.05% | 79.69% | 82.03% | 80.91% | -107 bps | |
| Liquid Assets / Assets | 13.91% | 16.92% | 12.68% | 11.75% | 12.83% | 14.58% | 13.27% | 14.66% | +292 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 395% | 380% | 363% | n/a | n/a | |