PackageTrendsPeer
Letter portraitLegal landscape

Safra National Bank of New York

New York, NY · Cert 26876 · Snbny Holdings Ltd.

National charter · OCC · 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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

40

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

Safra National Bank of New York

New York, NY · Cert 26876 · Snbny Holdings Ltd.

National charter · OCC · 7 branches

Q2 2026

$15.7BAssets
$3.7BLoans
$13.9BDeposits
$1.4BEquity
Loan mix
39%RE $1.1B60%C&I $1.7B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $8.9B36%Noninterest $5.0BQ2 2025Q2 2026

NIM

5.67%Q2 ’244.81%Q2 ’254.08%Q2 ’26-17%-9%

Non-interest income vs. expense

2.38%Q2 ’242.31%Q2 ’252.15%Q2 ’26+17%-36%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.3% share · #28 of 151 inst. · $9.9B of $2921.1B

0.5% New York
1.7% Miami-Dade
0.1% Santa Clara
0.1% Suffolk

Executive Summary

  • Earnings: ROA of 0.92%, up 7 bps year over year; NIM at 1.83%.
  • Asset quality: problem loans at 0.00% of loans (-8 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.56%, down 135 bps from a year ago.
  • Funding: loans stand at 26.45% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.92%+7 bps YoY

Net Interest Margin (YTD, annualized)

1.83%-17 bps YoY

Efficiency Ratio (YTD, annualized)

60.98%-363 bps YoY

Tier 1 Leverage Ratio

8.56%-135 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.89%0.92%0.94%0.92%+7 bps
Return on Equity7.36%7.84%8.22%8.65%9.25%+189 bps
Net Interest Margin2.01%1.92%1.80%1.91%1.83%-17 bps
Efficiency Ratio64.62%63.64%64.01%63.35%60.98%-363 bps
Non-Interest Burden0.79%0.68%0.61%0.69%0.50%-29 bps
Growth
Asset Growth (YoY)8.47%19.59%10.26%9.51%45.34%+3,687 bps
Loan Growth (YoY)2.51%9.03%6.91%27.24%24.82%+2,231 bps
Deposit Growth (YoY)9.14%23.28%13.90%10.56%53.35%+4,420 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.08%0.00%0.00%0.00%-8 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.91%9.72%8.52%8.74%8.56%-135 bps
Total Risk-Based Capital26.59%24.54%22.94%24.18%24.08%-251 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits32.50%30.69%30.68%34.87%26.45%-605 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/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

Safra National Bank of New York

New York, NY · Cert 26876 · Peer group: banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=15) · Snbny Holdings Ltd.

National charter · OCC · 7 branches

Q2 2026

$15.7BAssets
$3.7BLoans
$13.9BDeposits
$1.4BEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 1 of 15).
  • Widest gap: equity / assets trails 73% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 11 of 15).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.79%

Rank 11 of 15

Net Interest Margin

1.83%

Rank 11 of 15

Efficiency Ratio

61.69%

Rank 10 of 15

Equity / Assets

8.63%

Rank 11 of 15

Non-interest income vs. expense

$209.6M$273.5MINCOMEEXPENSE
Unfavorable gap of $63.9M · efficiency ratio beats 40% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 61.69%Peer median 55.4%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.79%0.74%0.98%1.14%Beats 27%11 / 15
Return on Equity9.15%5.21%8.81%10.53%Beats 53%7 / 15
Net Interest Margin1.83%1.76%2.56%3.09%Beats 27%11 / 15
Efficiency Ratio61.69%49.33%55.36%65.80%Beats 40%10 / 15
Asset Quality
Nonperforming Loans / Loans0.00%0.39%0.66%0.92%Beats 100%1 / 15
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 100%3 / 15
Capital
Tier 1 Capital Ratio23.40%12.31%14.32%17.39%Beats 80%3 / 15
Total Risk-Based Capital Ratio24.08%13.34%14.76%19.29%Beats 80%3 / 15
Equity / Assets8.63%8.06%10.22%12.59%Beats 27%11 / 15
Liquidity & Funding
Loans / Deposits26.45%52.62%85.61%96.57%7th pctl14 / 15
Loans / Assets23.40%32.81%69.81%78.17%7th pctl14 / 15
Brokered Deposits / Depositsn/aNot reported for this institution