Abacus Federal Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Abacus Federal Savings Bank is an FDIC-insured savings institution headquartered in New York, NY, established in 1984 (FDIC certificate 32257), and it is supervised by the OCC. At Q2 2026 it reported total assets of $320.7M, down 2.2% from Q2 2025, the 78th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 33.96% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 32257
- Headquarters
- New York, NY
- Established
- 1984
- Total assets, Q2 2026
- $320.7M
- Assets vs Q2 2025
- -2.2%
- CET1 ratio, Q2 2026
- 33.96%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 226072870
- Latest call report
- Q2 2026, FFIEC 051 · Abacus Federal Savings Bank call report
- Asset rank in state
- 78th of 105 in New York
Abacus Federal Savings Bank spends more to run itself than most banks of its size. The New York, New York bank had $321 million in assets at June 30, 2026, down 2.2% from a year earlier. It earns about $0.29 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 91 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $233,000 was 41% below a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.47% of loans, down from 0.61% a year earlier.
As of June 30, 2026, Abacus Federal Savings Bank reported a CET1 capital ratio of 33.96%, a return on assets of 0.29%, a nonperforming-loan ratio of 0.47% and a Texas ratio of 2.24%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Abacus Federal Savings Bank is the 78th largest of the 105 banks headquartered in New York. From Q1 2026 to Q2 2026, its total assets rose 0.5% to $320.7M, loans fell 1.4% and deposits rose 0.1%. 1-4 family residential loans made up 83.2% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 11.8%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities across 3 states; its New York office books 47% of its branch deposits. Judged on its Q2 2026 call report, Abacus Federal Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6 Bowery, New York, NY 10013
- County
- New York
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 29, 1984
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 71
- Domestic deposits
- $257.9M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $324.0M
- Average total loans
- $248.4M
- Average interest-bearing deposits
- $169.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32257
- Fed RSSD
- 762773
- Website
- www.abacusbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Abacus Federal Savings Bank's total assets moved between a low of $316.1M (Q4 2025) and a high of $329.6M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$320.7M total assets against $327.9M; $263.5M total liabilities against $271.5M.
$242.0M net loans and leases against $246.6M; $257.9M total deposits against $265.5M.
$0 securities against $0; $62.9M cash and balances due against $64.4M.
$4.3M total interest income against $4.5M; $890K total interest expense against $1.1M.
$3.4M net interest income against $3.4M.
$443K total noninterest income against $443K; $3.6M total noninterest expense against $3.3M.
$0 provision for credit losses against $0.
$233K net income against $397K.
0.29% return on assets against 0.49%; 4.44% net interest margin against 4.39%.
33.96% CET1 capital ratio against 32.84%; 16.32% tier 1 leverage ratio against 15.86%.
Inside the full Abacus Federal Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAbacus Federal Savings Bank rankings
Its closest position to the top of a national ranking is 47 of 2,134, for CET1 ratio; its furthest is 3,493 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.18% (Q4 2025) to 1.02% (Q4 2024) and its net interest margin ran from 4.24% (Q3 2025) to 4.70% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 33.96% | 0.29% | 0.47% | 2.24% | 4.44% |
| Q1 2026 | 33.47% | 0.24% | 0.61% | 2.85% | 4.36% |
| Q4 2025 | 32.44% | 0.18% | 0.46% | 2.29% | 4.38% |
| Q3 2025 | 33.40% | 0.31% | 0.75% | 3.47% | 4.24% |
| Q2 2025 | 32.84% | 0.49% | 0.61% | 2.88% | 4.39% |
| Q1 2025 | 31.88% | 0.47% | 0.45% | 2.28% | 4.30% |
| Q4 2024 | 30.81% | 1.02% | 0.68% | 3.32% | 4.70% |
| Q3 2024 | 30.50% | 0.46% | 0.56% | 2.87% | 4.28% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Abacus Federal Savings Bank (main office) | New York , NY | 10013 | $121.6M |
| Brooklyn Branch | Brooklyn , NY | 11220 | $56.3M |
| Flushing Branch | Flushing , NY | 11354 | $39.3M |
| Philadelphia Branch | Philadelphia , PA | 19107 | $25.7M |
| Edison Branch | Edison , NJ | 08817 | $15.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 8 against the institution (OCC, OCC (former OTS)); 1 against individuals associated with it
- April 28, 2014, OCC: Formal Agreement: Abacus Federal Savings Bank
- February 16, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Abacus Federal Savings Bank
- February 16, 2011, OCC (former OTS): Cease and Desist: Abacus Federal Savings Bank
- August 2, 2005, OCC (former OTS): Termination of Cease and Desist: Abacus Federal Savings Bank
- October 23, 2003, OCC (former OTS): Cease and Desist: Abacus Federal Savings Bank
- Period: Most recent institution action April 28, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 128 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Abacus Federal Savings Bank
What are Abacus Federal Savings Bank's total assets?
As of the Q2 2026 filing, Abacus Federal Savings Bank reported total assets of $320.7 million in its FFIEC call report.
Where is Abacus Federal Savings Bank headquartered?
It is headquartered in New York, NY, United States.
When was Abacus Federal Savings Bank founded?
It was established in 1984, per the FDIC institution directory.
Is Abacus Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #32257). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Abacus Federal Savings Bank?
Abacus Federal Savings Bank's primary federal regulator is the OCC.
What is Abacus Federal Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 33.96% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Abacus Federal Savings Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Abacus Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 2.24% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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