Bank of Baroda
New York, New York · FDIC Cert #33681
This is the FDIC profile for Bank of Baroda, an FDIC-insured bank (Certificate #33681) with $10.5B in total assets and $7.8B in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in New York, New York, the bank maintains a Tier 1 capital ratio of Not reported (Not reported) and a nonperforming loan ratio of 1.02%. BankHealthData assigns a composite Health Grade of B (70/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Baroda (FDIC cert 33681) is a large bank with $10.5B in total assets and $7.8B in deposits, headquartered in New York, New York. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
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 1.02% 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: 24.7% 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 improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Bank of Baroda carries a composite BankHealth grade of B (70/100) 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 of Baroda
- Total Assets
- $10.5B
- Total Deposits
- $7.8B
- Tier 1 Capital Ratio
- Not reported
- Capital Status
- Not reported
- Nonperforming Loans
- 1.02%
- Liquidity Ratio
- 24.71%
- Return on Assets
- 0.00%
- Headquarters
- New York, New York
- FDIC Certificate
- #33681
- Health Grade
- B (70/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Bank of Baroda files quarterly Call Reports with the FDIC under Certificate #33681. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Bank of Baroda holds a Tier 1 capital ratio of Not reported. This ratio is not reported in the latest FDIC call report — common for banks on the Community Bank Leverage Ratio framework — so the capital factor is excluded from Bank of Baroda's health score.
Key Financial Metrics
What This Means For Your Money
Bank of Baroda shows strong financial health indicators. With $10.5B in assets and a Health Score of 70/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
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 of Baroda Compares
Bank of Baroda’s Health Score of 70 is 10 points below the New York state average of 80 across 130 FDIC-insured banks. Its Tier 1 capital ratio is not reported in the latest FDIC call report, so it is excluded from the score. The 1.02% 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 166 similarly-sized banks, the average Health Score is 78, meaning this bank ranks below its size cohort. Site-wide, Bank of Baroda is 10 points below the portfolio average of 80.
Frequently Asked Questions
Bank of Baroda has a Bank Health Score of B (70/100), placing it in solid financial health. Its Tier 1 capital ratio is not reported in its latest FDIC call report. 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 of Baroda's Tier 1 capital ratio of Not reported and nonperforming loan ratio of 1.02% indicate a low 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 of Baroda is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #33681). 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 of Baroda holds $10.5B in total assets and $7.8B in total deposits. It is headquartered in New York, New York (FDIC Certificate #33681).
Bank of Baroda's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #33681 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Bank of Baroda has a Tier 1 capital ratio of Not reported, classifying it as "Not reported." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.02%, and the return on assets is 0.00%.
Yes. Bank of Baroda is FDIC-insured (Certificate #33681). 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 B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Baroda's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.