BlastPoint's Banking Scorecard
Habib American Bank
Designations: ✓ Community bank
New York, NY
6 branches across NY · CA · NJ
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
- Deposits +6.3% year over year ($2.4B on the books).
- Delinquency rate 0.74%.
- Return on assets 0.99%.
- Efficiency ratio 55.91% vs a 59.73% peer average.
- Loan-to-deposit ratio 78.11% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Habib American Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.82% below tier average
- + Delinquency Rate 0.13% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.55% below tier average
- - ROA 0.40% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
+6.1% YoY
-4.7% QoQ
|
+$44.7M |
$2.8B
-0.6% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
67% |
| Total Loans ? |
$1.9B
+13.4% YoY
+2.3% QoQ
|
-$63.9M |
$2.0B
-0.3% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
65% |
| Total Deposits ? |
$2.4B
+6.3% YoY
-5.7% QoQ
|
+$112.9M |
$2.3B
-0.5% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
69% |
| Return on Assets ? |
0.99%
+21.0% YoY
+3.7% QoQ
|
-0.40% |
1.39%
+17.0% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
30% |
| Net Interest Margin ? |
2.32%
+22.7% YoY
+3.3% QoQ
|
-1.55% |
3.87%
+6.2% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 2.9% in tier |
| Efficiency Ratio ? |
55.91%
-4.9% YoY
-1.5% QoQ
|
-3.82% |
59.73%
-12.6% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
60% |
| Delinquency Rate ? |
0.74%
+155.0% YoY
-47.2% QoQ
|
-0.13% |
0.87%
+11.7% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
78.11%
+6.7% YoY
+8.4% QoQ
|
-6.93% |
85.04%
-0.1% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
14.73%
-0.8% YoY
+11.0% QoQ
|
-6.54% |
21.27%
-1.5% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.49%
+172.6% YoY
-43.3% QoQ
|
-0.18% |
0.67%
+11.7% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
12.79%
-3.9% YoY
-2.6% QoQ
|
-2.05% |
14.84%
-0.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.51%
-2.3% YoY
+105.9% QoQ
|
-0.02% |
0.53%
+2.5% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
81% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
14.7%
-0.1pp YoY +1.5pp QoQ |
-6.6pp | 21.4% | 22.1% | 22.2% | 26% |
| Brokered Deposits |
4.1%
-0.3pp YoY +0.2pp QoQ |
-5.3pp | 9.5% | 8.0% | 8.5% | 42% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.6%
-0.8pp YoY -0.1pp QoQ |
-12.4pp | 14.0% | 11.0% | 12.5% | 4% |
| CRE | n/a | n/a | 50.0% | 46.2% | 41.4% | n/a |
| 1-4 Family |
10.3%
-1.9pp YoY -0.4pp QoQ |
-16.1pp | 26.4% | 36.6% | 31.3% | 17% |
| Consumer |
0.2%
-0.1pp YoY 0.0pp QoQ |
-4.5pp | 4.7% | 5.1% | 5.0% | 19% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.8%
-0.5pp YoY -0.3pp QoQ |
-2.8pp | 15.6% | 26.1% | 19.7% | 38% |
| Leverage Ratio |
8.5%
+0.4pp YoY -0.4pp QoQ |
-2.8pp | 11.3% | 13.9% | 12.6% | 5% |
| Total Capital Ratio |
14.0%
-0.5pp YoY -0.3pp QoQ |
-2.7pp | 16.7% | 27.2% | 20.8% | 40% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
187
+1 (+0.5%) YoY -3 (-1.6%) QoQ |
-127 | 313 | 914 | 482 | 36% |
| Assets per Employee ($) |
$15.2M
+5.5% YoY -3.1% QoQ |
+$4.7M | $10.5M | $14.8M | $8.8M | 90% |
| Branch Count |
6
0 YoY 0 QoQ |
-14 | 20 | 27 | 18 | 14% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.7%
+0.4pp YoY -0.7pp QoQ |
-0.1pp | 0.8% | 1.3% | 1.0% | 64% |
| Allowance Coverage |
1.74x
-63.6% YoY +85.1% QoQ |
-16.97x | 18.71x | 1.92x | 20.23x | 44% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.3pp | 0.3% | 0.1% | 0.2% | 16% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.3%
+1.9pp YoY +0.3pp QoQ |
-1.2pp | 12.6% | 7.9% | 11.6% | 44% |
| Cost of Funds (YTD) |
3.2%
-0.4pp YoY +0.1pp QoQ |
+1.2pp | 1.9% | 1.8% | 1.7% | 97% |
| Net Income ($, YTD) |
$14.2M
+29.6% YoY — QoQ |
-$5.1M | $19.2M | $111.2M | $40.4M | 57% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.