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Israel Discount Bank of New York
New York, NY·FDIC Cert #19977·Charter: STATE·Est. 19220101.0·HC: ISRAEL DISCOUNT BANK LTD
Total Assets
$14.4B
Q4 2025
Return on Assets
0.54%
-0.06%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
71.49%
Peer avg: 54.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
52
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.54%-0.06
ROE
5.54%-0.66
Efficiency
71.49%+1.62
Equity/Assets
0.00%+0.00
NPL Ratio
1.15%+0.24
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
78.93%-2.41
Charge-offs
0.14%+0.07
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.6 | 0.6 | 0.7 | 0.6 | 0.6 | 0.6 | 0.5 |
| ROE | 7.0 | 6.2 | 6.4 | 7.1 | 6.6 | 5.8 | 6.2 | 5.5 |
| Efficiency | 70.1 | 70.9 | 70.8 | 70.6 | 69.8 | 70.6 | 69.9 | 71.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.7 | 0.5 | 0.5 | 1.0 | 1.0 | 0.9 | 1.2 |
| Charge-offs | 0.2 | 0.2 | 0.2 | 0.2 | 0.0 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 80.1 | 82.8 | 82.1 | 76.5 | 80.7 | 81.2 | 81.3 | 78.9 |
Balance Sheet
Total Assets$14.4B
Total Deposits$12.5B
Total Loans$9.9B
Total Equity$1.4B
Profitability
ROA0.54%
ROE5.54%
Efficiency Ratio71.49%
Net Income$76.0M
Risk & Asset Quality
NPL Ratio1.15%
Charge-off Rate0.14%
Loan/Deposit78.93%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans