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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 $0.0BQ3 2024Q2 2026
Deposit mix
64%Interest-bearing $8.9B36%Noninterest $5.0BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.12%1.18%0.85%0.89%0.92%0.94%0.92%+7 bps
Return on Equity10.53%9.45%10.42%7.36%7.84%8.22%8.65%9.25%+189 bps
Net Interest Margin2.30%2.13%2.01%2.01%1.92%1.80%1.91%1.83%-17 bps
Efficiency Ratio55.43%59.33%54.41%64.62%63.64%64.01%63.35%60.98%-363 bps
Non-Interest Burden0.54%0.65%0.20%0.79%0.68%0.61%0.69%0.50%-29 bps
Growth
Asset Growth (YoY)10.45%7.41%11.00%8.47%19.59%10.26%9.51%45.34%+3,687 bps
Loan Growth (YoY)2.46%7.44%2.34%2.51%9.03%6.91%27.24%24.82%+2,231 bps
Deposit Growth (YoY)10.57%6.86%12.17%9.14%23.28%13.90%10.56%53.35%+4,420 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.00%0.00%0.08%0.08%0.00%0.00%0.00%-8 bps
Net Charge-Offs / Loans0.03%0.03%0.01%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.58%9.52%9.57%9.91%9.72%8.52%8.74%8.56%-135 bps
Total Risk-Based Capital28.46%24.39%26.84%26.59%24.54%22.94%24.18%24.08%-251 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits34.70%32.69%30.30%32.50%30.69%30.68%34.87%26.45%-605 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a