Bank Safety Analysis
Is Israel Discount Bank of New York Safe? New York, New York
Based on its Q3 2026 call report, Israel Discount Bank of New York meets every capital ratio test for well capitalized, its Texas ratio is 8.72%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Israel Discount Bank of New York safe?
On its Q3 2026 call report, Israel Discount Bank of New York's CET1 ratio is 14.28%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 14.28%
- Tier 1 leverage ratio (Q3 2026): 11.23%
- Texas ratio (Q3 2026): 8.72%
- Noncurrent loans ratio (Q3 2026): 1.34%
Israel Discount Bank of New York is an FDIC-insured commercial bank (FDIC Certificate #19977). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Israel Discount Bank of New York (FDIC Certificate #19977) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Israel Discount Bank of New York passes all 5 scorecard dimensions, but not every risk screen below is clear. 2 risk screens are flagged: uninsured deposit share and commercial real estate to capital.
Nonperforming loan ratio (nonaccrual plus 90+ days past due) rose 0.16 percentage points from Q2 2026 to Q3 2026, ending at 1.34% against 1.18%. It was the largest change among the key lines on this page. Israel Discount Bank of New York ranks 52nd of 81 New York banks on CET1 ratio, in the lower half at 14.28% (Q3 2026). Israel Discount Bank of New York reported 14.28% on CET1 ratio for Q3 2026, 1.40 points above the 12.88% median for banks in the $10B-100B asset tier. From Q4 2023 to Q3 2026, Israel Discount Bank of New York's CET1 ratio ranged between 13.36% (Q3 2025) and 14.61% (Q1 2024) and its Texas ratio ranged between 2.31% (Q4 2023) and 9.46% (Q1 2026). Between Q3 2025 and Q3 2026, Israel Discount Bank of New York's CET1 ratio rose from 13.36% to 14.28%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.91% to 1.34%, Texas ratio rose from 6.21% to 8.72% and return on assets rose from 0.70% to 0.78%.
Of the 105 banks headquartered in New York, Israel Discount Bank of New York is the 12th largest by total assets at Q3 2026. Commercial and industrial loans are its largest loan category, $2.68B of $10.21B in total loans on its September 30, 2026 call report. Against the 134 banks with $10B to $100B in assets for Q3 2026, Israel Discount Bank of New York's CET1 ratio of 14.28% is above the 12.88% median, Tier 1 leverage ratio of 11.23% is above the 10.21% median, nonperforming loans ratio of 1.34% is above the 0.67% median, Texas ratio of 8.72% is above the 4.26% median, and efficiency ratio of 58.35% is above the 53.78% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.925 for the 1-year horizon (v20261103_032653). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does Israel Discount Bank of New York score on capital, credit and costs?
Peer cohort: $10B to $100B (124 banks) · Industry averages as of Q3 2026.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 12.88%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 10.21%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 0.67%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 4.26%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 53.78%.
Does Israel Discount Bank of New York trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 14.28% | Within range |
| Texas ratio BankRegReports band | 8.72% | Within range |
| Nonperforming loan ratio BankRegReports band | 1.34% | Within range |
| Uninsured deposit share BankRegReports band | 52.55% | Flagged |
| Loan-to-deposit ratio BankRegReports band | 84.01% | Within range |
| Commercial real estate to capital supervisory threshold | 256.07% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 9.68% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 14.28% |
| Q2 2026 | 14.38% |
| Q1 2026 | 14.15% |
| Q4 2025 | 13.84% |
| Q3 2025 | 13.36% |
| Q2 2025 | 13.87% |
| Q1 2025 | 13.63% |
| Q4 2024 | 13.87% |
| Q3 2024 | 13.97% |
| Q2 2024 | 14.48% |
| Q1 2024 | 14.61% |
| Q4 2023 | 14.57% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 8.72% |
| Q2 2026 | 7.55% |
| Q1 2026 | 9.46% |
| Q4 2025 | 7.48% |
| Q3 2025 | 6.21% |
| Q2 2025 | 6.53% |
| Q1 2025 | 6.46% |
| Q4 2024 | 3.44% |
| Q3 2024 | 3.39% |
| Q2 2024 | 4.12% |
| Q1 2024 | 3.66% |
| Q4 2023 | 2.31% |
Loans by type, Q3 2026
- Commercial and industrial loans: $2.68B
- Non-owner-occupied commercial real estate loans: $2.29B
- Owner-occupied commercial real estate loans: $1.81B
- Multifamily loans: $1.21B
- All other loans: $764.2M
- Loans to nondepository financial institutions: $655.6M
- Construction and land development loans: $634.7M
- 1-4 family residential loans: $185.2M
How have Israel Discount Bank of New York's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $14.54B | 14.28% | 11.23% | 1.34% | 8.72% | 58.35% |
| Jun 30, 2026 | $14.39B | 14.38% | 11.01% | 1.18% | 7.55% | 66.11% |
| Mar 31, 2026 | $13.99B | 14.15% | 10.72% | 1.48% | 9.46% | 67.10% |
| Dec 31, 2025 | $14.43B | 13.84% | 10.40% | 1.14% | 7.48% | 75.30% |
| Sep 30, 2025 | $14.42B | 13.36% | 10.67% | 0.91% | 6.21% | 67.74% |
| Jun 30, 2025 | $13.64B | 13.87% | 10.51% | 0.99% | 6.53% | 70.83% |
| Mar 31, 2025 | $13.58B | 13.63% | 10.49% | 0.97% | 6.46% | 69.14% |
| Dec 31, 2024 | $13.86B | 13.87% | 10.55% | 0.51% | 3.44% | 69.32% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Israel Discount Bank of New York FDIC insured?
Yes. Israel Discount Bank of New York is an FDIC-insured commercial bank (FDIC Certificate #19977). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Israel Discount Bank of New York well capitalized?
On its Q3 2026 call report, Israel Discount Bank of New York's CET1 ratio is 14.28%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Israel Discount Bank of New York's key safety ratios?
For Q3 2026, Israel Discount Bank of New York reports CET1 14.28%, leverage 11.23%, Texas ratio 8.72%, noncurrent loans 1.34%. Its Texas ratio compares with the 4.26% median for the 134 banks with $10B to $100B in assets.
What happens to my deposits if Israel Discount Bank of New York fails?
For Q3 2026, Israel Discount Bank of New York reported $12.16B in total deposits, 52.55% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Israel Discount Bank of New York profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (well-capitalized plus buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 19977) · FFIEC NIC profile (RSSD 320119)
Explore: Full Israel Discount Bank of New York profile · Other banks in NY · Metric glossary · How the call report works