Habib American Bank
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Data as of · sourced from FFIEC call reports. How we update
Habib American Bank is an FDIC-insured commercial bank headquartered in New York, NY, established in 1984 (FDIC certificate 25093), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.84B, up 6.1% from Q2 2025, the 27th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 12.79% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 25093
- Headquarters
- New York, NY
- Established
- 1984
- Total assets, Q2 2026
- $2.84B
- Assets vs Q2 2025
- +6.1%
- CET1 ratio, Q2 2026
- 12.79%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 026007362
- Latest call report
- Q2 2026, FFIEC 031 · Habib American Bank call report
- Holding company
- MAHAM BETEILIGUNGSGESELLSCHAFT AG
- Asset rank in state
- 27th of 105 in New York
Problem loans are rising at Habib American Bank. The New York, New York bank had $2.8 billion in assets at June 30, 2026, up 6.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.73% of loans from 0.28% a year earlier. It keeps 2.27 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also pays an average of 3.32% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.01%).
Net income for the quarter rose 27% from a year earlier, to $7.3 million. Over the same year, loans grew 13.3% and deposits grew 6.3%. Where it has less room is capital: it funds 8.49% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
As of June 30, 2026, Habib American Bank reported a CET1 capital ratio of 12.79%, a return on assets of 0.99%, a nonperforming-loan ratio of 0.73% and a Texas ratio of 5.10%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Habib American Bank is the 27th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 4.7% to $2.84B, loans rose 2.2% and deposits fell 5.7%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 58.9% of total loans, ahead of multifamily loans at 16.2%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities across 3 states; its New York office books 29% of its branch deposits. On its Q2 2026 call report, Habib American Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 150 East 45th Street, New York, NY 10017
- County
- New York
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 031
- Established
- April 16, 1984
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 187
- Domestic deposits
- $1.96B
- Allowance for credit losses
- $24.4M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $2.95B
- Average total loans
- $1.90B
- Average interest-bearing deposits
- $2.19B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 16, 1984
- FDIC Cert
- 25093
- Fed RSSD
- 245016
- Website
- www.hab.bank →
- Parent Holding Company
- MAHAM BETEILIGUNGSGESELLSCHAFT AG (RSSD 2817930)
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
From Q3 2023 to Q2 2026, Habib American Bank's total assets ranged from $2.28B (Q4 2023) to $2.98B (Q1 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
$2.84B total assets against $2.68B; $2.59B total liabilities against $2.44B.
$1.90B net loans and leases against $1.68B; $2.43B total deposits against $2.29B.
$324.0M securities against $266.9M; $496.5M cash and balances due against $616.8M.
$38.2M total interest income against $36.6M; $22.0M total interest expense against $24.0M.
$16.3M net interest income against $12.6M.
$7.1M total noninterest income against $7.0M; $12.9M total noninterest expense against $11.3M.
$0 provision for credit losses against $0.
$7.3M net income against $5.8M.
0.99% return on assets against 0.80%; 2.27% net interest margin against 1.79%.
12.79% CET1 capital ratio against 13.30%; 8.49% tier 1 leverage ratio against 8.10%.
Inside the full Habib American Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Habib American Bank rankings
Its closest position to the top of a national ranking is 446 of 4,196, for total assets; its furthest is 687 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.53% (Q3 2024) to 0.99% (Q2 2026) and its net interest margin ran from 1.36% (Q3 2024) to 2.27% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.79% | 0.99% | 0.73% | 5.10% | 2.27% |
| Q1 2026 | 13.12% | 0.97% | 1.37% | 9.47% | 2.23% |
| Q4 2025 | 12.93% | 0.69% | 1.13% | 7.86% | 2.03% |
| Q3 2025 | 13.37% | 0.87% | 0.46% | 3.16% | 1.91% |
| Q2 2025 | 13.30% | 0.80% | 0.28% | 1.91% | 1.79% |
| Q1 2025 | 13.85% | 0.79% | 0.44% | 2.86% | 1.78% |
| Q4 2024 | 13.72% | 0.56% | 0.45% | 2.91% | 1.66% |
| Q3 2024 | 13.82% | 0.53% | 0.42% | 2.75% | 1.36% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Habib American Bank (main office) | New York , NY | 10017 | $571.8M |
| Artesia Branch | Artesia , CA | 90701 | $410.3M |
| Hicksville Branch | Hicksville , NY | 11801 | $284.6M |
| Los Angeles Branch | Los Angeles , CA | 90015 | $253.1M |
| Jackson Heights Branch | Jackson Heights , NY | 11372 | $243.8M |
| Iselin Branch | Iselin , NJ | 08830 | $195.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 13, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 76 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $175K approved, $175K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Habib American Bank
What are Habib American Bank's total assets?
As of the Q2 2026 filing, Habib American Bank reported total assets of $2.84 billion in its FFIEC call report.
Where is Habib American Bank headquartered?
It is headquartered in New York, NY, United States.
When was Habib American Bank founded?
It was established in 1984, per the FDIC institution directory.
Is Habib American Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25093). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Habib American Bank?
Habib American Bank's primary federal regulator is the FDIC.
What is Habib American Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.79% in its Q2 2026 call report, above regulatory requirements.
How many branches does Habib American Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Habib American Bank's Texas Ratio?
Its Texas Ratio is 5.10% 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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