BlastPoint's Banking Scorecard
Habib American Bank
Community
Specialty: Commercial
NY
FDIC cert 25093
New York, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Habib American Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.65% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+11.7% YoY
+3.2% QoQ
|
+$1.3B |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$1.8B
+14.3% YoY
+4.6% QoQ
|
+$852.2M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$2.3B
+13.0% YoY
+3.6% QoQ
|
+$1.2B |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
0.82%
+41.7% YoY
-4.0% QoQ
|
-0.34% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
2.01%
+27.5% YoY
+2.6% QoQ
|
-1.65% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
58.74%
-10.3% YoY
+1.7% QoQ
|
-3.89% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
1.14%
+151.5% YoY
+143.7% QoQ
|
+0.52% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
77.88%
+1.1% YoY
+0.9% QoQ
|
-5.18% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
14.39%
-8.7% YoY
-10.7% QoQ
|
-6.65% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.76%
+157.2% YoY
+147.1% QoQ
|
+0.26% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
12.93%
-5.8% YoY
-3.3% QoQ
|
+2.69% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
1.05%
-1.3% YoY
+30.9% QoQ
|
+0.31% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 2%
in Community
Net Interest Margin is in the bottom decile of tier peers. Loan yields, funding mix, or asset mix are compressing margin relative to peers - check deposit costs and loan repricing cadence.
Why this stands out
Current:
2.01%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
87
87th pctile
Non-Interest Income / Assets
Current: 1.05% · Tier avg: 0.74%
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
67
67th pctile
Loan-to-Deposit Ratio
Current: 77.88% · Tier avg: 83.06%
61
61th pctile
Efficiency Ratio
Current: 58.74% · Tier avg: 62.63%
57
57th pctile
Tier 1 Capital Ratio
Current: 12.93% · Tier avg: 10.24%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.76% · Tier avg: 0.50%
26
26th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.39% · Tier avg: 21.05%
22
22th pctile
Delinquency Rate
Current: 1.14% · Tier avg: 0.63%
2
2th pctile
Net Interest Margin
Current: 2.01% · Tier avg: 3.66%
Top Weaknesses
2
2th pctile
Net Interest Margin
Current: 2.01% · Tier avg: 3.66%
22
22th pctile
Delinquency Rate
Current: 1.14% · Tier avg: 0.63%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.39% · Tier avg: 21.05%
26
26th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.76% · Tier avg: 0.50%
57
57th pctile
Tier 1 Capital Ratio
Current: 12.93% · Tier avg: 10.24%
61
61th pctile
Efficiency Ratio
Current: 58.74% · Tier avg: 62.63%
67
67th pctile
Loan-to-Deposit Ratio
Current: 77.88% · Tier avg: 83.06%
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
87
87th pctile
Non-Interest Income / Assets
Current: 1.05% · Tier avg: 0.74%
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
89
89th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B