Habib American Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Habib American Bank of New York, NY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.99% | 1.44% | -0.45% | 29th below |
| ROAE | 11.61% | 12.51% | -0.90% | 46th below |
| Net Interest Margin | 2.27% | 3.84% | -1.57% | 3rd bottom |
| Efficiency Ratio | 55.09% | 58.88% | -3.79% | 61st above |
| PPNR / Avg Assets | 1.42% | 1.78% | -0.36% | 32nd below |
| Yield on Earning Assets | 5.33% | 5.71% | -0.38% | 37th below |
| Cost of Funds | 3.32% | 2.03% | +1.29% | 4th bottom |
| Net Interest Spread | 1.43% | 3.18% | -1.75% | 2nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.73% | 0.96% | -0.23% | 44th below |
| NPA / Total Assets | 0.49% | 0.75% | -0.26% | 50th above |
| NCO / Avg Loans | -0.00% | 0.31% | -0.31% | 81st top |
| ACL / Total Loans | 1.27% | 1.25% | +0.02% | 66th above |
| ACL / NPLs (Coverage) | 174.39% | 699.42% | -525.03% | 49th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.10% | 7.16% | -2.06% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.79% | 17.41% | -4.62% | 39th below |
| Tier 1 Ratio | 12.79% | 17.45% | -4.66% | 38th below |
| Total Capital Ratio | 14.03% | 18.51% | -4.48% | 41st below |
| Leverage Ratio | 8.49% | 11.60% | -3.11% | 5th bottom |
| Equity / Assets | 8.89% | 11.33% | -2.44% | 20th bottom |
| TCE / Tangible Assets | 8.80% | 10.65% | -1.85% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.11% | 86.36% | -7.25% | 73rd above |
| Core Deposit Ratio | 52.90% | 85.59% | -32.69% | 2nd bottom |
| Uninsured Deposit Ratio | 25.75% | 32.72% | -6.97% | 69th above |
| Wholesale Funding Ratio | 3.52% | 5.45% | -1.93% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.08% | 10.46% | -4.38% | 56th above |
| Loan Growth (Y/Y) | 13.28% | 7.99% | +5.29% | 82nd top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.26% | 7.98% | -1.72% | 60th above |
See Habib American Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Habib American Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Habib American Bank profile, how to read a UBPR, or how this data updates.