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Habib American Bank
New York, NY·FDIC Cert #25093·Charter: STATE·Est. 19840416.0·HC: MAHAM BETEILIGUNGSGESELLSCHAFT AG
Total Assets
$2.7B
Q4 2025
Return on Assets
0.82%
-0.03%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
58.74%
Peer avg: 58.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.82%-0.03
ROE
9.32%-0.42
Efficiency
58.74%+0.99
Equity/Assets
0.00%+0.00
NPL Ratio
1.14%+0.67
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
77.88%+0.72
Charge-offs
0.00%-0.00
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 | 0.6 | 0.6 | 0.6 | 0.6 | 0.8 | 0.8 | 0.9 | 0.8 |
| ROE | 6.7 | 6.4 | 6.6 | 6.5 | 8.9 | 9.4 | 9.7 | 9.3 |
| Efficiency | 64.8 | 66.0 | 66.2 | 65.5 | 59.9 | 58.8 | 57.7 | 58.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.4 | 0.5 | 0.5 | 0.3 | 0.5 | 1.1 |
| Charge-offs | -0.0 | -0.0 | -0.0 | 0.0 | -0.0 | -0.0 | 0.0 | 0.0 |
| Loan/Deposit | 71.1 | 62.7 | 70.0 | 77.0 | 65.3 | 73.2 | 77.2 | 77.9 |
Balance Sheet
Total Assets$2.7B
Total Deposits$2.3B
Total Loans$1.8B
Total Equity$244.4M
Profitability
ROA0.82%
ROE9.32%
Efficiency Ratio58.74%
Net Income$22.0M
Risk & Asset Quality
NPL Ratio1.14%
Charge-off Rate0.00%
Loan/Deposit77.88%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans