Habib American Bank
Habib American Bank reported total assets of $2.8 bn at Q2 2026, up 6.1% on a year earlier, the 448th largest of 497 banks in our US coverage. The CET1 capital ratio at Habib American Bank was 12.79%, and the uninsured share of Habib American Bank was 31.96%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Habib American Bank slipped from 123rd to 291st among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Habib American Bank reports one of the lowest net interest margin readings among banks of $1 bn to $10 bn: 2.32% at , where the median of the 339 banks is 3.66% (FDIC Call Reports).
- The tier 1 leverage ratio of Habib American Bank, 8.49% at , places Habib American Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 10.45%; FDIC Call Reports).
What sets Habib American Bank apart
How large is Habib American Bank?
The balance sheet of Habib American Bank at : assets $2.8 bn, deposits $2.4 bn, net loans $1.9 bn (loans equal to 78.11% of deposits). Securities make up 11.4% of total assets at Habib American Bank. Since , when Habib American Bank held $1.1 bn, its assets grew 163.7%. In the year to , deposits at Habib American Bank rose 6.3% while its total assets rose 6.1%. At , Habib American Bank employed 187 full-time equivalent staff across 6 offices, about $15.2 mn of assets per employee and $405.3 mn of deposits per office.
How much funding at Habib American Bank is uninsured?
At Habib American Bank, uninsured deposits (above the FDIC limit) made up 31.96% of domestic deposits at (+0.92 pp on a year earlier); Habib American Bank ranks 286th of 500 on this measure. In dollars, Habib American Bank estimated $626.1 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.4 bn | +6.3% | 435th of 499 |
| Net loans and leases | $1.9 bn | +13.4% | 454th of 500 |
| Loan-to-deposit ratio | 78.11% | +4.91 pp | 365th of 500 |
| Tier 1 leverage ratio | 8.49% | +0.40 pp | 457th of 500 |
| Total risk-based capital ratio | 14.03% | -0.52 pp | 248th of 448 |
| Net interest margin | 2.32% | +0.43 pp | 470th of 500 |
| Return on assets (ROA) | 0.99% | +0.17 pp | 385th of 500 |
| Efficiency ratio | 55.91% | -2.87 pp | 250th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $5.2 mn | Narrowed by $1.9 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $1.3 mn | Widened by $190,000 | |
| Noncurrent loans to total loans | 0.73% | +0.44 pp | 291st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | +0.02 pp | 47th of 500 (1 = lowest) |
US rank of Habib American Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Habib American Bank: assets, deposits and loans
- Total assets $2.8bn
- Deposits $2.4bn
- Net loans $1.9bn
Capital and securities
The CET1 ratio of Habib American Bank stood at 12.79% in , -0.51 pp year on year. Low and high at Habib American Bank since : 12.79% () to 17.10% (). Equity capital of Habib American Bank at : $252.2 mn, or 8.9% of total assets. Habib American Bank also reported a total capital ratio of 14.03% for , and a tier 1 leverage ratio of 8.49%.
On held-to-maturity securities, Habib American Bank carried an unrealized loss of $5.2 mn at , equal to 2.1% of equity capital. The loss narrowed by $1.9 mn over the year. Its deepest point: $22.2 mn in . The available-for-sale portfolio of Habib American Bank showed an unrealized loss of $1.3 mn at ; the loss widened by $190,000 over the year.
Habib American Bank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 8.5%
Habib American Bank: unrealized securities gains and losses
- Available for sale -$1mn
- Held to maturity -$5mn
Profitability and loan quality
For the year to , Habib American Bank earned a return on equity of 11.35%; return on assets: 0.99%. Net interest margin at Habib American Bank: 2.32%, +0.43 pp in a year. Habib American Bank net income: $14.2 mn, up 29.6% year on year. The efficiency ratio of Habib American Bank was 55.91%: about 56 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 0.73% of total loans at Habib American Bank; net charge-offs: 0.00% of average loans. Gross loans and leases at Habib American Bank: $1.9 bn, up 13.3% in a year.
Habib American Bank: profitability
- Return on equity 11%
- Net interest margin 2.3%
- Return on assets 1.0%
Peer group of Habib American Bank
The peer group of Habib American Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 4 share the charter type of Habib American Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in New York. Against them, Habib American Bank shows CET1 ratio 12.79% against a peer median of 13.48%, return on equity 11.35% against a peer median of 15.08% and uninsured deposit share 31.96% against a peer median of 29.79%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Lakeside Bank | State nonmember bank | IL | $2.9 bn | 12.41% | 17.28% | 51.67% | |
| American Momentum Bank | State nonmember bank | TX | $2.8 bn | 24.90% | 5.78% | 47.53% | |
| Armstrong Bank | State member bank | OK | $2.8 bn | 13.89% | 17.13% | 24.46% | |
| Habib American Bank | State nonmember bank | NY | $2.8 bn | 12.79% | 11.35% | 31.96% | |
| Medallion Bank | State nonmember bank | UT | $2.8 bn | 13.12% | 12.95% | 0.24% | |
| Emprise Bank | State nonmember bank | KS | $2.8 bn | 10.22% | 21.01% | 28.19% | |
| Chemung Canal Trust Company | National bank | NY | $2.8 bn | 13.84% | 13.04% | 31.40% | |
. FDIC Call Reports.
Last eight quarters
Two years at Habib American Bank, to : assets +8.8%, deposits +9.1%, equity +12.5%. Staff 181 to 187.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.6 bn | $2.5 bn | $2.9 bn | $2.7 bn | $2.7 bn | $2.7 bn | $3.0 bn | $2.8 bn |
| Total deposits | $2.2 bn | $2.1 bn | $2.5 bn | $2.3 bn | $2.3 bn | $2.3 bn | $2.6 bn | $2.4 bn |
| Bank equity capital | $224.3 mn | $229.6 mn | $234.3 mn | $232.5 mn | $239.0 mn | $244.4 mn | $251.4 mn | $252.2 mn |
| CET1 ratio | 13.82% | 13.72% | 13.85% | 13.30% | 13.37% | 12.93% | 13.12% | 12.79% |
| Return on equity (ROE) | 6.57% | 6.49% | 8.91% | 9.40% | 9.74% | 9.32% | 11.04% | 11.35% |
| Uninsured share of domestic deposits | 31.17% | 31.09% | 30.26% | 31.04% | 32.17% | 31.97% | 30.77% | 31.96% |
| Full-time equivalent employees | 181 | 181 | 182 | 186 | 185 | 188 | 190 | 187 |
| Number of offices | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Habib American Bank
- Total assets at Habib American Bank changed by +26.5% in the quarter to 2018-03-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Habib American Bank?
Habib American Bank reported $2.8 bn at in its Call Report. That makes Habib American Bank the 448th largest of 497 banks in our US coverage.
Is Habib American Bank the same as its holding company?
No. This page covers Habib American Bank, FDIC certificate 25093; MAHAM BETEILIGUNGSGESELLSCHAFT AG (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Habib American Bank profitable?
Habib American Bank reported net income of $14.2 mn for the year to ; annualized return on equity: 11.35%. So yes: Habib American Bank made a profit over these months.
When is data for Habib American Bank next updated?
Figures from Habib American Bank for are due after .
Where can I check the figures for Habib American Bank?
In the FDIC BankFind Suite record for certificate 25093, and in the Call Reports of Habib American Bank (RSSD ID 245016) at the FFIEC Central Data Repository.