Safra National 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.
Commercial and industrial dropped 46.53 percentage points in Q2 2026, from 46.53% to 0.00%. It was the largest change from Q1 2026 among the key lines here. Safra National Bank of New York has the 8th lowest loan-to-deposit ratio of the 105 banks headquartered in New York, at 26.45% as of Q2 2026. Against a median of 86.83% for banks in the $10B-100B asset tier, Safra National Bank of New York reported 26.45% on loan-to-deposit ratio in Q2 2026, 60.38 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.67B |
| Net loans and leases | $3.64B |
| Loans held for sale | $0 |
| Loans to total assets | 23.40% |
| Loan-to-deposit ratio | 26.45% |
| Net loans to equity capital | 2.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.86% |
| Multifamily (5+ residential) | 5.49% |
| Commercial and industrial | 0.00% |
| Consumer | 0.42% |
| Credit cards | 0.42% |
| 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) | 108.80% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 5.19% |
| Interest income on loans | $46.7M |
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 | $2.90B | $7.83B | 26.46% | 43.28% | 0.41% |
| Q4 2023 | $2.87B | $8.92B | 25.35% | 42.61% | 0.33% |
| Q1 2024 | $2.78B | $8.41B | 25.98% | 43.70% | 0.31% |
| Q2 2024 | $2.87B | $8.32B | 24.48% | 39.11% | 0.29% |
| Q3 2024 | $2.97B | $8.58B | 24.67% | 38.36% | 0.30% |
| Q4 2024 | $3.09B | $9.46B | 26.59% | 38.37% | 0.32% |
| Q1 2025 | $2.85B | $9.42B | 28.30% | 42.32% | 0.33% |
| Q2 2025 | $2.94B | $9.07B | 29.04% | 40.47% | 0.34% |
| Q3 2025 | $3.24B | $10.57B | 26.41% | 44.13% | 0.33% |
| Q4 2025 | $3.30B | $10.76B | 25.79% | 50.32% | 0.40% |
| Q1 2026 | $3.62B | $10.40B | 24.29% | 46.53% | 0.37% |
| Q2 2026 | $3.67B | $13.88B | 24.86% | 0.00% | 0.42% |
Safra National Bank of New York loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Safra National 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 Safra National Bank of New York profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26876) · FFIEC NIC profile (RSSD 918918)