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Safra National Bank of New York
New York, NY·FDIC Cert #26876·Charter: OCC·Est. 19870101.0·HC: SNBNY HOLDINGS LTD
Total Assets
$12.5B
Q4 2025
Return on Assets
0.92%
+0.03%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
64.01%
Peer avg: 55.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.92%+0.03
ROE
8.22%+0.38
Efficiency
64.01%+0.37
Equity/Assets
0.00%+0.00
NPL Ratio
0.00%-0.08
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
30.43%+0.03
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 | 1.8 | 1.2 | 1.3 | 1.1 | 1.2 | 0.9 | 0.9 | 0.9 |
| ROE | 15.6 | 10.1 | 10.5 | 9.4 | 10.4 | 7.4 | 7.8 | 8.2 |
| Efficiency | 46.3 | 57.0 | 55.4 | 59.3 | 54.4 | 64.6 | 63.6 | 64.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | — |
| Charge-offs | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 32.8 | 34.2 | 34.4 | 32.4 | 30.0 | 32.1 | 30.4 | 30.4 |
Balance Sheet
Total Assets$12.5B
Total Deposits$10.8B
Total Loans$3.3B
Total Equity$1.3B
Profitability
ROA0.92%
ROE8.22%
Efficiency Ratio64.01%
Net Income$107.3M
Risk & Asset Quality
NPL RatioN/A
Charge-off Rate0.00%
Loan/Deposit30.43%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans