Bank Hapoalim B M
New York, New York · FDIC Cert #33686
Bank Hapoalim B M is an FDIC-insured bank (Certificate #33686) with $8.9B in total assets and $6.8B in total deposits as of the Q2 2024 Call Report. Headquartered in New York, New York, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 1.95%. BankHealthData assigns a composite Health Grade of D (37/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank Hapoalim B M (FDIC cert 33686) is a mid-sized bank with $8.9B in total assets and $6.8B in deposits, based in New York, New York. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is normal: non-performing loan ratio of 1.95% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 21.9% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is minimal: ROA of 0.00% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Bank Hapoalim B M carries a composite BankHealth grade of D (37/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank Hapoalim B M
- Total Assets
- $8.9B
- Total Deposits
- $6.8B
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 1.95%
- Liquidity Ratio
- 21.88%
- Return on Assets
- 0.00%
- Headquarters
- New York, New York
- FDIC Certificate
- #33686
- Health Grade
- D (37/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank Hapoalim B M holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Bank Hapoalim B M to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Bank Hapoalim B M shows some financial weakness with a Health Score of 37/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank Hapoalim B M Compares
Bank Hapoalim B M’s Health Score of 37 is 34 points below the New York state average of 71 across 130 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 1.95% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.00% is below the national ROA benchmark of ~1.1%. Among 184 similarly-sized banks, the average Health Score is 75, meaning this bank ranks below its size cohort. Site-wide, Bank Hapoalim B M is 33 points below the portfolio average of 70.
Frequently Asked Questions
Bank Hapoalim B M has a Bank Health Score of D (37/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank Hapoalim B M's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 1.95% indicate an elevated risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank Hapoalim B M is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #33686). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank Hapoalim B M holds $8.9B in total assets and $6.8B in total deposits. It is headquartered in New York, New York (FDIC Certificate #33686).
Bank Hapoalim B M has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.95%, and the return on assets is 0.00%.
Yes. Bank Hapoalim B M is FDIC-insured (Certificate #33686). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank Hapoalim B M shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.