Israel Discount Bank of Ny
New York, New York · FDIC Cert #19977
Israel Discount Bank of Ny is an FDIC-insured bank (Certificate #19977) with $12.3B in total assets and $10.1B 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 14.48% (Well-Capitalized) and a nonperforming loan ratio of 0.65%. BankHealthData assigns a composite Health Grade of A (84/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Israel Discount Bank of Ny (FDIC cert 19977) is a large bank with $12.3B in total assets and $10.1B 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.
Capital position is strong: Tier 1 capital ratio of 14.48% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.65% 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: 24.3% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 0.83% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Israel Discount Bank of Ny carries a composite BankHealth grade of A (84/100) 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: Israel Discount Bank of Ny
- Total Assets
- $12.3B
- Total Deposits
- $10.1B
- Tier 1 Capital Ratio
- 14.48%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.65%
- Liquidity Ratio
- 24.27%
- Return on Assets
- 0.83%
- Headquarters
- New York, New York
- FDIC Certificate
- #19977
- Health Grade
- A (84/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Israel Discount Bank of Ny holds a Tier 1 capital ratio of 14.48%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Israel Discount Bank of Ny has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Israel Discount Bank of Ny shows strong financial health indicators. With $12.3B in assets and a Health Score of 84/100, 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 Israel Discount Bank of Ny Compares
Israel Discount Bank of Ny’s Health Score of 84 is 13 points above the New York state average of 71 across 130 FDIC-insured banks. Its 14.48% Tier 1 capital ratio is 0.5 points above the US banking industry average near 14%. The 0.65% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.83% is below the national ROA benchmark of ~1.1%. Among 144 similarly-sized banks, the average Health Score is 77, meaning this bank ranks above its size cohort. Site-wide, Israel Discount Bank of Ny is 14 points above the portfolio average of 70.
Frequently Asked Questions
Israel Discount Bank of Ny has a Bank Health Score of A (84/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 14.48%, which is above 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. Israel Discount Bank of Ny's Tier 1 capital ratio of 14.48% and nonperforming loan ratio of 0.65% 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 Israel Discount Bank of Ny is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #19977). 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.
Israel Discount Bank of Ny holds $12.3B in total assets and $10.1B in total deposits. It is headquartered in New York, New York (FDIC Certificate #19977).
Israel Discount Bank of Ny has a Tier 1 capital ratio of 14.48%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.65%, and the return on assets is 0.83%.
Yes. Israel Discount Bank of Ny is FDIC-insured (Certificate #19977). 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 A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Israel Discount Bank of Ny'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.