BlastPoint's Banking Scorecard
Israel Discount Bank of New York
New York, NY
8 branches across CA · NY · FL · NJ
Israel Discount Bank of New York faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 37.9% in tier
- - ROA 0.54% below tier average
- - Net Interest Margin 0.90% below tier average
- - Efficiency Ratio 13.22% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$14.0B
+3.0% YoY
-3.1% QoQ
|
-$33.0B |
$47.0B
-1.9% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
18% |
| Total Loans ? |
$9.7B
+2.3% YoY
-1.7% QoQ
|
-$19.7B |
$29.4B
-0.4% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
21% |
| Total Deposits ? |
$11.9B
+1.5% YoY
-4.6% QoQ
|
-$26.5B |
$38.4B
-1.6% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
20% |
| Return on Assets ? |
0.74%
+15.5% YoY
+35.5% QoQ
|
-0.54% |
1.28%
+18.7% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 13.1% in tier |
| Net Interest Margin ? |
2.88%
+3.0% YoY
+1.3% QoQ
|
-0.90% |
3.77%
+5.8% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
20% |
| Efficiency Ratio ? |
67.22%
-3.7% YoY
-6.0% QoQ
|
+13.22% |
54.01%
-3.7% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.6% in tier |
| Delinquency Rate ? |
1.50%
+53.9% YoY
+29.7% QoQ
|
+0.48% |
1.02%
-3.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.2% in tier |
| Loan-to-Deposit Ratio ? |
81.26%
+0.7% YoY
+3.0% QoQ
|
+0.48% |
80.79%
+1.9% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
12.41%
+155.0% YoY
+1.9% QoQ
|
-7.63% |
20.04%
+0.2% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
24% |
| Nonperforming Asset Ratio ? |
1.04%
+52.8% YoY
+31.5% QoQ
|
+0.32% |
0.72%
+4.2% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 12.4% in tier |
| Tier 1 Capital Ratio ? |
14.15%
+3.8% YoY
+2.3% QoQ
|
-1.37% |
15.51%
-0.4% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.13%
-15.8% YoY
-76.9% QoQ
|
-0.09% |
0.22%
+0.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
41% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.