Israel Discount Bank of New York
New York, NY · FDIC #19977 · $14.4B in assets
Israel Discount Bank of New York, based in New York, NY, has $14.4B in assets and the letter F, better than 1.6 percent of the 126 other banks with $10 billion to $100 billion in assets. The letter compares this bank with banks of similar size and is not a verdict. Deposits above the insurance limit are 50.3 percent of deposits, lower than 17.6 percent of similar banks. Paper losses on bonds held until repayment equal 7.2 percent of equity, lower than 10.3 percent of similar banks. Commercial real estate loans are 250.3 percent of total risk-based capital, lower than 34.1 percent of similar banks, while the Texas ratio, troubled assets divided by equity plus reserves for loan losses, is 7.6 percent, lower than 16.7 percent of similar banks. Figures are from FDIC Call Report data for the quarter ending June 30, 2026.
At Israel Discount Bank of New York, 50.3 percent of deposits were above the insurance limit, worse than 82.4 percent of similar banks. Bonds it plans to hold had paper losses, losses not realized by sale, equal to 7.2 percent of equity, worse than 89.7 percent of similar banks. Brokered deposits, deposits placed through outside brokers, were 18.3 percent of deposits, worse than 89.6 percent of similar banks.
Ratios behind the grade
Deposits above the insured limit
50.3%50.3 percent of deposits exceed the FDIC insurance limit, better than 17.6 percent of banks with $10 billion to $100 billion in assets. A lower uninsured share means less depositor money could face losses if the institution closes.
Unrealized bond losses vs equity
7.2%7.2 percent of equity is the gap between recorded and current market values of bonds intended to be held to maturity, with negative gaps shown as zero. 10.3 percent of similar banks have a larger gap, and this paper loss becomes real only if the bonds are sold before maturity.
Commercial real estate vs capital
250.3%Commercial real estate loans equal 250.3 percent of total risk-based capital, covering construction, non-owner-occupied commercial and multifamily loans but excluding owner-occupied property; the ratio can exceed 100 percent. 34.1 percent of similar banks have a higher concentration; losses in one lending type can affect more of the bank’s finances at once.
Problem loans vs capital (Texas ratio)
7.6%The Texas ratio is 7.6 percent, comparing seriously overdue loans and foreclosed real estate with equity and funds set aside for loan losses. This is better than 16.7 percent of similar banks.
Core capital vs assets
10.8%10.8 percent of total assets is tier 1 capital, meaning funds provided by the bank’s owners rather than deposits and borrowings. Its core capital ratio is better than 73.0 percent of similar banks, providing a larger cushion to absorb losses before depositors are affected.
Brokered deposits
18.3%Brokered deposits, gathered through third-party deposit brokers, make up 18.3 percent of total deposits and are sensitive to interest rates. 10.4 percent of similar banks have a higher share, though some banks use this funding deliberately.
Return on assets
0.74%Return on assets is 0.74 percent, measuring annualized net income as a share of average assets. This return is better than 11.1 percent of similar institutions, while profits add to capital and losses reduce it.
Grade history
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Data: FDIC call report, quarter ending June 30, 2026 · How we grade