Safra National Bank of New York
Safra National Bank of New York reported total assets of $15.7 bn at Q2 2026, up 45.3% on a year earlier, the 122nd largest of 497 banks in our US coverage. The CET1 capital ratio at Safra National Bank of New York was 23.40%. Safra National Bank of New York held deposits of $13.9 bn. Source: FDIC Call Reports.
Key takeaways
- On uninsured share of domestic deposits, Safra National Bank of New York climbed from 179th to 57th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Safra National Bank of New York reports one of the lowest noncurrent loans to total loans readings among banks of $10 bn to $100 bn: 0.00% at , where the median of the 126 banks is 0.66% (FDIC Call Reports).
- The loan-to-deposit ratio of Safra National Bank of New York, 26.25% at , places Safra National Bank of New York in the bottom tenth of banks of $10 bn to $100 bn (group median 85.69%; FDIC Call Reports).
What sets Safra National Bank of New York apart
- Among the 126 banks of $10 bn to $100 bn, few report a lower net interest margin than Safra National Bank of New York, at 1.89% in ; the group median is 3.62%.
- Safra National Bank of New York reports one of the lowest net charge-offs to average loans readings among banks of $10 bn to $100 bn: 0.00% at , where the median of the 126 banks is 0.14%.
- At 23.40%, the common equity tier 1 (CET1) ratio of Safra National Bank of New York sits in the top tenth of its size group ($10 bn to $100 bn, 126 banks), where the median is 12.97%.
How large is Safra National Bank of New York?
The balance sheet of Safra National Bank of New York at : assets $15.7 bn, deposits $13.9 bn, net loans $3.6 bn (loans equal to 26.25% of deposits). Securities make up 40.6% of total assets at Safra National Bank of New York. Since , when Safra National Bank of New York held $6.8 bn, its assets grew 131.5%. In the year to , deposits at Safra National Bank of New York rose 53.0% while its total assets rose 45.3%. At , Safra National Bank of New York employed 389 full-time equivalent staff across 6 offices, about $40.3 mn of assets per employee and $2.3 bn of deposits per office.
How much funding at Safra National Bank of New York is uninsured?
At Safra National Bank of New York, uninsured deposits (above the FDIC limit) made up 53.69% of domestic deposits at (+13.54 pp on a year earlier); Safra National Bank of New York ranks 57th of 500 on this measure. In dollars, Safra National Bank of New York estimated $7.5 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $13.9 bn | +53.0% | 119th of 499 |
| Net loans and leases | $3.6 bn | +25.0% | 275th of 500 |
| Loan-to-deposit ratio | 26.25% | -5.90 pp | 489th of 500 |
| Tier 1 leverage ratio | 8.56% | -1.35 pp | 454th of 500 |
| Total risk-based capital ratio | 24.08% | -2.51 pp | 22nd of 448 |
| Net interest margin | 1.89% | -0.30 pp | 482nd of 500 |
| Return on assets (ROA) | 0.92% | +0.07 pp | 411th of 500 |
| Efficiency ratio | 60.98% | -3.63 pp | 345th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Gain of $1,000 | Fell by $1,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $217.9 mn | Widened by $40.2 mn | |
| Noncurrent loans to total loans | 0.00% | -0.08 pp | 1st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | 0.00 pp | 44th of 500 (1 = lowest) |
US rank of Safra National Bank of New York: 1 = highest unless marked 1 = lowest.
Balance sheet
Safra National Bank of New York: assets, deposits and loans
- Total assets $15.7bn
- Deposits $13.9bn
- Net loans $3.6bn
Capital and securities
The CET1 ratio of Safra National Bank of New York stood at 23.40% in , -2.53 pp year on year. Low and high at Safra National Bank of New York since : 13.48% () to 27.82% (). Equity capital of Safra National Bank of New York at : $1.4 bn, or 8.6% of total assets. Safra National Bank of New York also reported a total capital ratio of 24.08% for , and a tier 1 leverage ratio of 8.56%.
On held-to-maturity securities, Safra National Bank of New York carried an unrealized gain of $1,000 at , equal to 0.0% of equity capital. The gain fell by $1,000 over the year. Its deepest point: $6,000 in . The available-for-sale portfolio of Safra National Bank of New York showed an unrealized loss of $217.9 mn at ; the loss widened by $40.2 mn over the year.
Safra National Bank of New York: capital ratios
- Total capital 24%
- CET1 23%
- Tier 1 leverage 8.6%
Safra National Bank of New York: unrealized securities gains and losses
- Available for sale -$218mn
- Held to maturity $1,000
Profitability and loan quality
For the year to , Safra National Bank of New York earned a return on equity of 9.25%; return on assets: 0.92%. Net interest margin at Safra National Bank of New York: 1.89%, -0.30 pp in a year. Safra National Bank of New York net income: $62.0 mn, up 31.2% year on year. The efficiency ratio of Safra National Bank of New York was 60.98%: about 61 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.00% of total loans at Safra National Bank of New York; net charge-offs: 0.00% of average loans. Gross loans and leases at Safra National Bank of New York: $3.7 bn, up 24.8% in a year.
Safra National Bank of New York: profitability
- Return on equity 9.2%
- Net interest margin 1.9%
- Return on assets 0.9%
Peer group of Safra National Bank of New York
The peer group of Safra National Bank of New York is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Safra National Bank of New York (national bank), 6 sit in the same size group ($10 bn to $100 bn) and 1 has its head office in New York. Against them, Safra National Bank of New York shows CET1 ratio 23.40% against a peer median of 12.26%, return on equity 9.25% against a peer median of 10.71% and uninsured deposit share 53.69% against a peer median of 32.87%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Banner Bank | State nonmember bank | WA | $16.6 bn | 12.71% | 10.97% | 32.49% | |
| NBT Bank | National bank | NY | $16.1 bn | 11.80% | 10.45% | 42.52% | |
| Live Oak Banking Company | State nonmember bank | NC | $16.0 bn | 10.46% | 12.59% | 16.60% | |
| Safra National Bank of New York | National bank | NY | $15.7 bn | 23.40% | 9.25% | 53.69% | |
| Sunflower Bank | National bank | TX | $15.7 bn | 12.98% | 2.63% | 31.30% | |
| Nicolet National Bank | National bank | WI | $15.4 bn | 11.08% | 8.08% | 33.24% | |
| First Financial Bank | State member bank | TX | $15.2 bn | 18.36% | 15.35% | 44.70% | |
. FDIC Call Reports.
Last eight quarters
Two years at Safra National Bank of New York, to : assets +51.2%, deposits +61.9%, equity +5.7%. Staff 368 to 389; offices 4 to 6.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $10.4 bn | $11.3 bn | $11.1 bn | $10.8 bn | $12.4 bn | $12.5 bn | $12.2 bn | $15.7 bn |
| Total deposits | $8.6 bn | $9.5 bn | $9.4 bn | $9.1 bn | $10.6 bn | $10.8 bn | $10.4 bn | $13.9 bn |
| Bank equity capital | $1.3 bn | $1.3 bn | $1.3 bn | $1.3 bn | $1.3 bn | $1.3 bn | $1.3 bn | $1.4 bn |
| CET1 ratio | 27.82% | 23.76% | 26.19% | 25.93% | 23.95% | 22.33% | 23.54% | 23.40% |
| Return on equity (ROE) | 10.53% | 9.45% | 10.42% | 7.36% | 7.84% | 8.22% | 8.65% | 9.25% |
| Uninsured share of domestic deposits | 36.78% | 38.03% | 37.93% | 40.15% | 39.92% | 41.24% | 39.20% | 53.69% |
| Full-time equivalent employees | 368 | 361 | 364 | 364 | 386 | 383 | 389 | 389 |
| Number of offices | 4 | 4 | 4 | 6 | 6 | 6 | 6 | 6 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Safra National Bank of New York, oldest first; figures before and after each event are not like for like.
- . Absorbed Delta National Bank and Trust Company (FDIC certificate 26633).
Large one-quarter moves at Safra National Bank of New York
- Total assets at Safra National Bank of New York changed by +29.1% in the quarter to 2026-06-30, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Safra National Bank of New York?
Safra National Bank of New York reported $15.7 bn at in its Call Report. That makes Safra National Bank of New York the 122nd largest of 497 banks in our US coverage.
Is Safra National Bank of New York the same as its holding company?
No. This page covers Safra National Bank of New York, FDIC certificate 26876; SNBNY HOLDINGS LTD (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Safra National Bank of New York profitable?
Safra National Bank of New York reported net income of $62.0 mn for the year to ; annualized return on equity: 9.25%. So yes: Safra National Bank of New York made a profit over these months.
When is data for Safra National Bank of New York next updated?
Figures from Safra National Bank of New York for are due after .
Where can I check the figures for Safra National Bank of New York?
In the FDIC BankFind Suite record for certificate 26876, and in the Call Reports of Safra National Bank of New York (RSSD ID 918918) at the FFIEC Central Data Repository.