Israel Discount Bank of New York

Overview

What stands out about Israel Discount Bank of New York?

Against its six size peers, its uninsured share of domestic deposits stands out most: 50.34% at Q2 2026, above the peer median of 10.66%.

How large is Israel Discount Bank of New York?

At Q2 2026 the bank held $14.4 bn of assets. Deposits were $12.3 bn and net loans and leases $9.9 bn, a loan-to-deposit ratio of 80.15%. Securities of $2.8 bn made up 19.4% of assets.

Total assets rose 54.8% between Q1 2016 and Q2 2026, from $9.3 bn.

How much of its funding is uninsured?

An estimated 50.34% of domestic deposits were above the FDIC insurance limit at Q2 2026, -0.65 pp from the previous quarter and +2.41 pp from a year earlier. That share ranks 81st among 500 banks reporting this metric (1 = highest).

Key facts, Q2 2026

US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.

The common equity tier 1 (CET1) ratio was 14.38% at Q2 2026, +0.51 pp from a year earlier. Since Q1 2016 it has ranged from 12.47% (Q4 2021) to 14.69% (Q2 2020). At Q2 2026 the tier 1 leverage ratio was 11.01% and the total risk-based capital ratio 15.27%. The median CET1 ratio of the size peers listed below was 13.09% at Q2 2026.

Held-to-maturity securities had an unrealized loss of $106.2 mn at Q2 2026, measured as fair value minus amortized cost, equal to 7.2% of bank equity capital. The loss widened by $2.7 mn from a year earlier. The largest unrealized loss on these securities was $150.6 mn at Q3 2023. Available-for-sale securities showed an unrealized loss of $111.8 mn at Q2 2026; the loss narrowed by $5.8 mn from a year earlier.

Return on equity was 7.33% for the year to Q2 2026, annualized, with a return on assets of 0.74% and a net interest margin of 2.89%. The margin was +0.09 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 67.13%. Net income for the year to Q2 2026 was $53.1 mn, up 36.7% on the same period a year earlier. The median return on equity of its size peers was 12.44% for the same period.

Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 1.18% of total loans at Q2 2026. Net charge-offs for the year to date were 0.16% of average loans, annualized.

The FDIC history records no mergers or acquisitions for Israel Discount Bank of New York since Q1 2016, and its total assets never moved more than 25% in one quarter.