Israel Discount Bank of New York
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Data as of · sourced from FFIEC call reports. How we update
Israel Discount Bank of New York is an FDIC-insured commercial bank headquartered in New York, NY, supervised by the FDIC, with $14.39B in total assets at Q2 2026, up 5.5% from Q2 2025, the 13th largest of 105 banks headquartered in New York. It was established in 1922 and holds FDIC certificate 19977. Its CET1 capital ratio was 14.38% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19977
- Headquarters
- New York, NY
- Established
- 1922
- Total assets, Q2 2026
- $14.39B
- Assets vs Q2 2025
- +5.5%
- CET1 ratio, Q2 2026
- 14.38%
- Domestic offices
- 7 · Israel Discount Bank of New York branches FDIC institution directory, current count
- Routing number
- 026009768
- Safety and soundness
- Is Israel Discount Bank of New York safe?
- Latest call report
- Q2 2026, FFIEC 041 · Israel Discount Bank of New York Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- DISCOUNT BANCORP, INC.
- Asset rank in state
- 13th of 105 in New York
Israel Discount Bank of New York spends more to run itself than most banks of its size. Based in New York, New York, it had $14.4 billion in assets at June 30, 2026, up 5.5% from a year earlier. It earns about $0.76 a year on every $100 of assets, lower than about three-quarters of the 127 banks with $10 billion to $100 billion in assets (median $1.32). It also pays an average of 2.93% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.92%).
Earnings jumped: net income for the quarter was $27 million, 59% above the same quarter a year earlier. The commercial and industrial book ($2.7 billion) is worsening: 2.95% of it is past due or on nonaccrual, up from 1.31% a year earlier. Costs are the weak spot: it spends about 66 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 53 cents).
As of June 30, 2026, Israel Discount Bank of New York reported a CET1 capital ratio of 14.38%, a return on assets of 0.76%, a nonperforming-loan ratio of 1.18% and a Texas ratio of 7.55%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Israel Discount Bank of New York is the 13th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.9% to $14.39B, loans rose 1.8% and deposits rose 3.2%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 26.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 23.2%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities across 4 states; its New York office books 71% of its branch deposits. On its Q2 2026 call report, Israel Discount Bank of New York meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1114 Avenue Of The Americas, New York, NY 10036
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1922
- Former names
- Israel Discount Trust Company (1971-1981)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 564
- Domestic deposits
- $12.33B
- Allowance for credit losses
- $93.3M
- Net charge-offs (YTD)
- $8.0M
- Average total assets
- $14.13B
- Average total loans
- $9.91B
- Average interest-bearing deposits
- $10.55B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 1, 1969
- FDIC Cert
- 19977
- Fed RSSD
- 320119
- SEC CIK
- 1224306 → filed by ISRAEL DISCOUNT BANK LIMITED
- Website
- www.idbny.com →
- Parent Holding Company
- DISCOUNT BANCORP, INC. (RSSD 2894230)
- Ultimate Parent
- ISRAEL DISCOUNT BANK LIMITED (RSSD 1240737)
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, Israel Discount Bank of New York's total assets ranged from $12.01B (Q1 2024) to $14.43B (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$14.39B total assets against $13.64B; $12.92B total liabilities against $12.27B.
$9.88B net loans and leases against $9.52B; $12.33B total deposits against $11.71B.
$2.79B securities against $2.69B; $943.7M cash and balances due against $569.1M.
$187.1M total interest income against $198.2M; $88.8M total interest expense against $108.3M.
$98.3M net interest income against $89.9M.
$20.8M total noninterest income against $21.0M; $79.8M total noninterest expense against $79.3M.
$3.1M provision for credit losses against $9.3M.
$26.9M net income against $17.0M.
0.76% return on assets against 0.49%; 2.94% net interest margin against 2.72%.
14.38% CET1 capital ratio against 13.87%; 11.01% tier 1 leverage ratio against 10.51%.
Inside the full Israel Discount Bank of New York 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Israel Discount Bank of New York rankings
Its closest position to the top of a national ranking is 131 of 4,196, for total assets; its furthest is 2,954 of 3,611, for ROA.
Metric pages for Israel Discount Bank of New York: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.35% (Q4 2025) to 0.88% (Q4 2024) and its net interest margin ran from 2.69% (Q4 2024) to 2.94% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.38% | 0.76% | 1.18% | 7.55% | 2.94% |
| Q1 2026 | 14.15% | 0.73% | 1.48% | 9.46% | 2.82% |
| Q4 2025 | 13.84% | 0.35% | 1.14% | 7.48% | 2.93% |
| Q3 2025 | 13.36% | 0.70% | 0.91% | 6.21% | 2.81% |
| Q2 2025 | 13.87% | 0.49% | 0.99% | 6.53% | 2.72% |
| Q1 2025 | 13.63% | 0.63% | 0.97% | 6.46% | 2.74% |
| Q4 2024 | 13.87% | 0.88% | 0.51% | 3.44% | 2.69% |
| Q3 2024 | 13.97% | 0.68% | 0.52% | 3.39% | 2.74% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Israel Discount Bank of New York (main office) | New York , NY | 10036 | $8.73B |
| Aventura Branch | Aventura , FL | 33180 | $1.98B |
| Beverly Hills Branch | Beverly Hills , CA | 90212 | $414.1M |
| Downtown Los Angeles Branch | Los Angeles , CA | 90017 | $406.8M |
| Brooklyn Branch | Brooklyn , NY | 11223 | $320.7M |
| Short Hills Branch | Short Hills , NJ | 07078 | $259.8M |
| Staten Island Branch | Staten Island , NY | 10314 | $212.5M |
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 |
|---|---|---|---|
| January 12, 2002 | Structure Change | Acquired Hamilton Bank, N.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 11, 2002 | Merger | Participated in FDIC Assisted Merger | FDIC |
| December 7, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 7, 2001 | Structure Change | Acquired Manufacturers Bank of Florida Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 3, 2000 | Structure Change | Acquired Monument National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 2, 2000 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in NY, rank 29 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $70K approved, $70K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (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 Israel Discount Bank of New York
What are Israel Discount Bank of New York's total assets?
As of the Q2 2026 filing, Israel Discount Bank of New York reported total assets of $14.39 billion in its FFIEC call report.
Where is Israel Discount Bank of New York headquartered?
It is headquartered in New York, NY, United States.
When was Israel Discount Bank of New York founded?
It was established in 1922, per the FDIC institution directory.
Is Israel Discount Bank of New York FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19977). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Israel Discount Bank of New York?
Israel Discount Bank of New York's primary federal regulator is the FDIC.
What is Israel Discount Bank of New York's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.38% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Israel Discount Bank of New York operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Israel Discount Bank of New York's Texas Ratio?
Its Texas Ratio is 7.55% 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.
What was Israel Discount Bank of New York previously called?
The charter now named Israel Discount Bank of New York has also operated as Israel Discount Trust Company (1971-1981), per FDIC structure-change records.
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