Is Habib American Bank Safe?
Habib American Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (53/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.80% | 91/100 |
| Nonperforming Loan Ratio | 0.31% | 94/100 |
| Liquidity Ratio | 41.47% | 100/100 |
| Return on Assets | 0.82% | 53/100 |
| Total Assets | $2.8B | |
How does Habib American Bank compare?
With a Bank Health Score of 90/100, Habib American Bank sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within New York, where 130 FDIC-insured banks are headquartered, Habib American Bank ranks above the state average of 71/100 (Grade B).
The bank's Tier 1 capital ratio of 13.80% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.31% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Habib American Bank's Bank Health Score fell by 6.0 points to 90/100. Tier 1 capital weakened by 1.02 percentage points to 13.80%. Quarter-over-quarter, the score fell by 3.0 points.
Habib American Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (53/100).