Mashreqbank Psc
New York, New York · FDIC Cert #33693
Mashreqbank Psc is an FDIC-insured bank (Certificate #33693) with $3.6B in total assets and $1.3B 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 0.00%. BankHealthData assigns a composite Health Grade of C (57/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Mashreqbank Psc (FDIC cert 33693) is a mid-sized bank with $3.6B in total assets and $1.3B 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 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 very high: 52.4% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
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. Mashreqbank Psc carries a composite BankHealth grade of C (57/100) 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: Mashreqbank Psc
- Total Assets
- $3.6B
- Total Deposits
- $1.3B
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 52.36%
- Return on Assets
- 0.00%
- Headquarters
- New York, New York
- FDIC Certificate
- #33693
- Health Grade
- C (57/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Mashreqbank Psc holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Mashreqbank Psc to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Mashreqbank Psc shows average financial health. While not alarming, its Health Score of 57/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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 Mashreqbank Psc Compares
Mashreqbank Psc’s Health Score of 57 is 14 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 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 391 similarly-sized banks, the average Health Score is 73, meaning this bank ranks below its size cohort. Site-wide, Mashreqbank Psc is 13 points below the portfolio average of 70.
Frequently Asked Questions
Mashreqbank Psc has a Bank Health Score of C (57/100), placing it in average financial health. 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. Mashreqbank Psc's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.00% indicate an average 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 Mashreqbank Psc is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #33693). 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.
Mashreqbank Psc holds $3.6B in total assets and $1.3B in total deposits. It is headquartered in New York, New York (FDIC Certificate #33693).
Mashreqbank Psc 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 0.00%, and the return on assets is 0.00%.
Yes. Mashreqbank Psc is FDIC-insured (Certificate #33693). 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 C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Mashreqbank Psc's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.