PackageTrendsPeer
Letter portraitLegal landscape

Habib American Bank

New York, NY · Cert 25093 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · Maham Beteiligungsgesellschaft Ag

State charter, non-member · FDIC · 6 branches

Q2 2026

$2.8BAssets
$1.9BLoans
$2.0BDeposits
$252.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 11 of 36).
  • Widest gap: equity / assets trails 92% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 33 of 36).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.00%

Rank 18 of 36

Net Interest Margin

2.14%

Rank 29 of 36

Efficiency Ratio

55.91%

Rank 15 of 35

Equity / Assets

8.89%

Rank 33 of 36

Non-interest income vs. expense

$29.0M$51.6MINCOMEEXPENSE
Unfavorable gap of $22.6M · efficiency ratio beats 60% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 55.91%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.00%0.65%1.00%1.72%Beats 50%18 / 36
Return on Equity11.22%5.35%9.30%13.56%Beats 63%13 / 35
Net Interest Margin2.14%2.66%3.13%3.63%Beats 19%29 / 36
Efficiency Ratio55.91%52.19%63.09%75.14%Beats 60%15 / 35
Asset Quality
Nonperforming Loans / Loans0.73%0.46%0.84%1.59%Beats 61%15 / 36
Net Charge-Offs / Loans0.00%n/a0.03%0.14%Beats 100%11 / 36
Capital
Tier 1 Capital Ratio12.79%13.13%14.78%18.34%Beats 19%29 / 36
Total Risk-Based Capital Ratio14.03%13.73%15.96%19.27%Beats 31%25 / 36
Equity / Assets8.89%9.80%11.58%14.82%Beats 8%33 / 36
Liquidity & Funding
Loans / Deposits98.19%81.12%95.13%103.24%58th pctl15 / 36
Loans / Assets67.79%67.44%76.31%84.79%28th pctl26 / 36
Brokered Deposits / Depositsn/aNot reported for this institution