Israel Discount Bank of New York
New York, New York, New York County
$14.4B in total assets, the 137th largest of 4,309 US banks and 18th of 126 headquartered in New York.
- FDIC certificate
- 19977
- Established
- 1922
- Owned by
- Israel Discount Bank Ltd
- Primary regulator
- FDIC
- Website
- www.idbny.com
At a glance
Compared with 15 banks headquartered in New York with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $14.4B | 13% | $17.4B | |
| Loans | $10.0B | 20% | $11.9B | |
| Deposits | $12.3B | 27% | $13.9B | |
| Return on assets | 0.64% | 22% | 0.96% | |
| Net interest margin | 2.89% | 56% | 2.51% | |
| Efficiency ratio | 67.1% | 67% | 61.0% | |
| Equity to assets | 10.22% | 56% | 9.55% | |
| Loans to deposits | 81% | 36% | 86% |
Growth
Total assets grew 4.7% a year over the last 5 years and 4.6% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2002 | Hamilton Bank, National Association Miami, FL | $1.4B |
| Dec 2001 | Manufacturers Bank of Florida Tampa, FL | $296M |
| Jun 2000 | Monument National Bank Ridgecrest, CA | $8M |
Where they operate
7 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| New York County, NY | $8.7B | 0.5% | 17 of 83 |
| Miami-dade County, FL | $2.0B | 0.9% | 23 of 58 |
| Los Angeles County, CA | $821M | 0.2% | 37 of 91 |
| Kings County, NY | $321M | 0.5% | 19 of 41 |
| Essex County, NJ | $260M | 0.9% | 17 of 31 |
| Richmond County, NY | $213M | 1.1% | 13 of 16 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No net change since 2016 (7 branches then and now). 1 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2026 through Q2 | Opened Los AngelesClosed Los Angeles | 1 | 1 | 0 | 7 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 39% | 16% | |
| Business (C&I) | 27% | 28% | |
| Multifamily | 12% | 13% | |
| Construction and land | 6% | 4% | |
| 1-4 family residential | 2% | 8% | |
| Consumer | 0% | 3% | |
| Other | 14% | 27% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 65% | 75% | |
| Time deposits | 23% | 13% | |
| Noninterest-bearing | 12% | 12% |
Brokered deposits are 18.3% of deposits (peers 4.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.18% | 0.54% |
| Net charge-offs, annualized | 0.16% | 0.09% |
| Reserves to loans | 0.94% | 0.80% |
| Leverage ratio | 11.01% | 9.70% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in New York
Largest competitors in New York County, NY
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/israel-discount