HABIB AMERICAN BANK

NEW YORK, NY | Large | Est. April 16, 1984, midnight | FDIC #25093 | RSSD #245016 | FDIC
Latest Report: 2025-12-31

HABIB AMERICAN BANK is aln large FDIC-insured commercial bank headquartered in NEW YORK, NY, established in April 16, 1984, midnight. As of 2025-12-31, the bank reported total assets of $2.7B and total deposits of $2.3B. Profitability stands at 0.73% ROA and 8.12% ROE, with a net interest margin of 2.26%. The bank's CET1 capital ratio is 12.93%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.13% and a Texas Ratio of 7.78%. FDIC Certificate #25093.

Assets

$2.7B

Deposits

$2.3B

Loans

$1.9B

Equity

$244M

Profitability

Return on Assets (ROA) 0.73%
Return on Equity (ROE) 8.12%
Net Interest Margin (NIM) 2.26%
Yield on Assets 5.87%
Cost of Funds 4.24%

Asset Quality

NPL Ratio 1.13%
Net Charge-Off Ratio 0.00%
Texas Ratio 7.78%
NPA Ratio 0.76%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 12.93%
Tier 1 Capital 12.93%
Total Capital Ratio 14.18%
Leverage Ratio 8.62%
Loan-to-Deposit 78.92%

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