TellerScore

Habib American Bank is a state-chartered bank headquartered in New York, New York, in business for about 42 years. At the end of Q2 2026 it reported $2.8B in total assets and $2.4B in deposits, with 6 offices across 3 states.

Habib American Bank has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 73rd. Problem-loan coverage contributes the most (90/100, 5.1%); capital cushion contributes the least (35/100, 8.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Tier 1 leverage ratio: 8.49%
Loan quality76/100
Noncurrent loans ÷ total loans: 0.73%
Earnings60/100
Return on assets (annualized): 0.99%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 78.1% · 25.7% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.05%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (64 → 61), mostly because the loan quality component weakened by 15 points.

TellerScore
566267Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202460
Q4 202462
Q1 202566
Q2 202564
Q3 202562
Q4 202556
Q1 202657
Q2 202661
Tier 1 leverage ratio
5.00%7.07%9.14%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.14%
Q3 20247.80%
Q4 20249.01%
Q1 20258.97%
Q2 20258.10%
Q3 20258.40%
Q4 20258.62%
Q1 20268.90%
Q2 20268.49%
Noncurrent loans
0.28%0.83%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.31%
Q3 20240.42%
Q4 20240.45%
Q1 20250.44%
Q2 20250.28%
Q3 20250.46%
Q4 20251.13%
Q1 20261.37%
Q2 20260.73%
Return on assets
0.57%0.78%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.58%
Q4 20240.58%
Q1 20250.78%
Q2 20250.82%
Q3 20250.86%
Q4 20250.82%
Q1 20260.96%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$2.8B8.49%0.73%0.99%78.1%
Q1 202657$3.0B8.90%1.37%0.96%72.0%
Q4 202556$2.7B8.62%1.13%0.82%77.9%
Q3 202562$2.7B8.40%0.46%0.86%77.2%
Q2 202564$2.7B8.10%0.28%0.82%73.2%
Q1 202566$2.9B8.97%0.44%0.78%65.3%
Q4 202462$2.5B9.01%0.45%0.58%77.0%
Q3 202460$2.6B7.80%0.42%0.58%70.0%
Q2 202467$2.8B9.14%0.31%0.57%62.7%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.49%
6th
Total risk-based capital14.03%
55th
Problem loans0.73%
37th
Net charge-offs-0.00%
85th
Return on assets0.99%
30th
Net interest margin2.32%
3rd
Efficiency ratio55.9%
60th
Loans to deposits78.1%
72nd
Uninsured deposits25.7%
68th
Loan-loss reserves1.27%
66th
Texas ratio5.1%
38th

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InstitutionScoreAssetsCapitalProblem loansCompare
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Industrial and Commercial Bank of China USA, National AssociationBank New York, NY49 out of 100, Below average$2.9B17.3%4.20%vs
Orange Bank & Trust CompanyBank Middletown, NY73 out of 100, Strong$2.8B13.2%1.12%vs
Interaudi BankBank New York, NY47 out of 100, Below average$2.7B10.0%2.36%vs
Esquire Bank, National AssociationBank Jericho, NY81 out of 100, Strong$2.5B11.7%0.27%vs
Bank of GreeneBank Catskill, NY77 out of 100, Strong$3.2B9.9%0.23%vs

Deposit insurance

Is my money safe at Habib American Bank?

Yes. Habib American Bank is an FDIC-insured institution (FDIC certificate #25093). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.7% of deposits ($626.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.49%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.03% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Habib American Bank lists 6 offices in 6 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Habib American Bank
Type
State-chartered bank
FDIC certificate #
25093
RSSD ID
245016
Primary regulator
FDIC
Holding company
Maham Beteiligungsgesellschaft Ag
Established
April 16, 1984
Headquarters
150 East 45th Street, New York, NY 10017
Employees
187

Quick answers

Habib American Bank: common questions

Is Habib American Bank FDIC insured?

Yes. Habib American Bank is an FDIC-insured institution (FDIC certificate #25093). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Habib American Bank's TellerScore?

61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Habib American Bank ever failed?

There is no failure record for FDIC certificate #25093 in the FDIC failed bank list.

How many branches does Habib American Bank have?

6 offices as of the latest FDIC data, in 3 states.

Nearby

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