BlastPoint's Banking Scorecard
Habib American Bank
Designations: ✓ Community bank
New York, NY
6 branches across NY · CA · NJ
Habib American Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.31% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.57% below tier average
- - ROA 0.41% below tier average
- - Delinquency Rate 0.50% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+4.2% YoY
+8.7% QoQ
|
+$161.4M |
$2.8B
-0.1% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
70% |
| Total Loans ? |
$1.9B
+14.8% YoY
+1.6% QoQ
|
-$107.8M |
$2.0B
+0.6% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
64% |
| Total Deposits ? |
$2.6B
+4.1% YoY
+9.8% QoQ
|
+$234.5M |
$2.3B
-0.3% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
71% |
| Return on Assets ? |
0.96%
+23.0% YoY
+16.5% QoQ
|
-0.41% |
1.37%
+19.6% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
30% |
| Net Interest Margin ? |
2.24%
+24.7% YoY
+11.6% QoQ
|
-1.57% |
3.82%
+6.9% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 2.7% in tier |
| Efficiency Ratio ? |
56.75%
-5.2% YoY
-3.4% QoQ
|
-4.31% |
61.06%
-4.6% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
59% |
| Delinquency Rate ? |
1.39%
+209.4% YoY
+21.7% QoQ
|
+0.50% |
0.89%
+14.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
72.04%
+10.3% YoY
-7.5% QoQ
|
-12.17% |
84.20%
+0.3% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
13.27%
-3.2% YoY
-7.8% QoQ
|
-8.02% |
21.29%
-2.5% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.87%
+240.9% YoY
+13.8% QoQ
|
+0.19% |
0.67%
+15.6% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
25% |
| Tier 1 Capital Ratio ? |
13.12%
-5.2% YoY
+1.5% QoQ
|
-2.04% |
15.16%
+2.0% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.25%
+0.7% YoY
-76.3% QoQ
|
-0.01% |
0.26%
+1.6% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
80% |
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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.