M Y Safra Bank FSB
New York, New York · FDIC Cert #35154
M Y Safra Bank FSB is an FDIC-insured bank (Certificate #35154) with $395M in total assets and $293M 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 19.41% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (92/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
M Y Safra Bank FSB (FDIC cert 35154) is a community bank — $395M in total assets, $293M in deposits, serving the New York, New York area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 19.41% 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 clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 30.2% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is negative: ROA of -0.00% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. M Y Safra Bank FSB carries a composite BankHealth grade of A (92/100) 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: M Y Safra Bank FSB
- Total Assets
- $395M
- Total Deposits
- $293M
- Tier 1 Capital Ratio
- 19.41%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 30.19%
- Return on Assets
- -0.00%
- Headquarters
- New York, New York
- FDIC Certificate
- #35154
- Health Grade
- A (92/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, M Y Safra Bank FSB holds a Tier 1 capital ratio of 19.41%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning M Y Safra Bank FSB has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
M Y Safra Bank FSB shows strong financial health indicators. With $395M in assets and a Health Score of 92/100, 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 M Y Safra Bank FSB Compares
M Y Safra Bank FSB’s Health Score of 92 is 21 points above the New York state average of 71 across 130 FDIC-insured banks. Its 19.41% Tier 1 capital ratio is 5.4 points above the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of -0.00% is below the national ROA benchmark of ~1.1%. Among 1536 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, M Y Safra Bank FSB is 22 points above the portfolio average of 70.
Frequently Asked Questions
M Y Safra Bank FSB has a Bank Health Score of A (92/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 19.41%, 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. M Y Safra Bank FSB's Tier 1 capital ratio of 19.41% and nonperforming loan ratio of 0.00% 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 M Y Safra Bank FSB is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #35154). 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.
M Y Safra Bank FSB holds $395M in total assets and $293M in total deposits. It is headquartered in New York, New York (FDIC Certificate #35154).
M Y Safra Bank FSB has a Tier 1 capital ratio of 19.41%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is -0.00%.
Yes. M Y Safra Bank FSB is FDIC-insured (Certificate #35154). 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%).
M Y Safra Bank FSB'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.