Israel Discount Bank of New York: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 3.31% from 2.61% in the prior period. Israel Discount Bank of New York is an FDIC-insured commercial bank, anchoring the largest US banking market. Total assets stand at $14.4B. Profitability tracks the broader industry: ROA 0.76%, ROE 7.39%, NIM 2.94%. Capital is comfortably above regulatory requirements, CET1 ratio of 14.38% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics show stress, 3.31% NPLs and a 21.12% Texas Ratio above the 100% historical failure threshold. It operates 8 branches, primarily in New York.
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 3.31%, a Texas ratio of 21.12%, per financial data filed with the FFIEC.
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)
- Offices
- 8 domestic
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Israel Discount Bank of New York terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Israel Discount Bank of New York, 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.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Israel Discount Bank of New York: Texas Ratio, Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.38% | 0.76% | 3.31% | 21.12% | 2.94% |
| Q1 2026 | 14.15% | 0.73% | 2.61% | 16.65% | 2.82% |
| Q4 2025 | 13.84% | 0.35% | 2.52% | 16.50% | 2.93% |
| Q3 2025 | 13.36% | 0.70% | 2.86% | 19.51% | 2.81% |
| Q2 2025 | 13.87% | 0.49% | 3.13% | 20.64% | 2.72% |
| Q1 2025 | 13.63% | 0.63% | 2.55% | 17.14% | 2.74% |
| Q4 2024 | 13.87% | 0.88% | 1.85% | 12.52% | 2.69% |
| Q3 2024 | 13.97% | 0.68% | 1.34% | 8.81% | 2.74% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| 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
What the public regulatory sources show for Israel Discount Bank of New York, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in NY, rank 29 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Israel Discount Bank of New York headquartered?
Israel Discount Bank of New York is headquartered in New York, NY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Israel Discount Bank of New York founded?
Israel Discount Bank of New York was established in 1922, per the FDIC institution directory.
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). 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Israel Discount Bank of New York's CET1 capital ratio?
Israel Discount Bank of New York 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?
Israel Discount Bank of New York operates 8 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?
Israel Discount Bank of New York's Texas Ratio is 21.12% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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