Israel Discount Bank of New York: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 6.21 percentage points in Q2 2026, from 257.06% to 263.27%. It was the largest change from Q1 2026 among the key lines here. Israel Discount Bank of New York ranks 65th of 105 New York banks on loan-to-deposit ratio, in the lower half at 80.91% (Q2 2026). Israel Discount Bank of New York reported 80.91% on loan-to-deposit ratio for Q2 2026, 5.92 points below the 86.83% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $9.97B |
| Net loans and leases | $9.88B |
| Loans held for sale | $3.1M |
| Loans to total assets | 69.28% |
| Loan-to-deposit ratio | 80.91% |
| Net loans to equity capital | 6.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.21% |
| Multifamily (5+ residential) | 12.06% |
| Commercial and industrial | 26.56% |
| Consumer | 0.24% |
| Credit cards | 0.02% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 263.27% |
| Construction concentration (Tier 1 capital + allowance) | 36.98% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.33% |
| Interest income on loans | $155.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $8.32B | $10.33B | 34.32% | 36.67% | 0.11% |
| Q4 2023 | $8.19B | $10.32B | 35.61% | 33.31% | 0.14% |
| Q1 2024 | $8.22B | $10.17B | 37.46% | 31.74% | 0.11% |
| Q2 2024 | $8.47B | $10.12B | 38.43% | 30.31% | 0.13% |
| Q3 2024 | $9.02B | $10.90B | 38.05% | 31.26% | 0.13% |
| Q4 2024 | $9.31B | $12.07B | 38.25% | 29.06% | 0.21% |
| Q1 2025 | $9.57B | $11.76B | 38.62% | 29.47% | 0.20% |
| Q2 2025 | $9.60B | $11.71B | 38.19% | 28.31% | 0.20% |
| Q3 2025 | $10.18B | $12.41B | 38.25% | 28.62% | 0.21% |
| Q4 2025 | $9.97B | $12.51B | 38.27% | 28.13% | 0.21% |
| Q1 2026 | $9.79B | $11.94B | 38.25% | 28.60% | 0.22% |
| Q2 2026 | $9.97B | $12.33B | 39.21% | 26.56% | 0.24% |
Israel Discount Bank of New York loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Israel Discount Bank of New York, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Israel Discount Bank of New York profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19977) · FFIEC NIC profile (RSSD 320119)