← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

Bank of Baroda

New York, New York · $16.24B in assets · beside the 11 other New York banks over $10B

The filing

0.00%
NPA / loans
2nd of 12
0.0%
CRE / loans
2nd of 12
104.7%
Loans / deposits
10th of 12

Bank of Baroda is the sixth largest of the 12 New York banks nearest its size over $10B, with $16.24B in assets at 30 June 2026. Loans are 104.7% of deposits, 10th of 12 against a median of 84.8%. Loans grew +14.5% in the year, 3rd of 12, and deposits grew 11.2%; the cohort's median loan growth is +5.2%.

Nothing on the book is noncurrent; 0.00% is 30 to 89 days past due, and the allowance is no record of loans, null. Commercial real estate is 0.0% of loans, 2nd of 12 against a median of 30.7%.

The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansNY banks over $10B · 30 June 2026 · lower is stronger, listed first
median 30.7% SB State Bank of India 0.0% Bo Bank of Baroda 0.0% Bo Bank of China 10.8% CB Community Bank National Association 25.2% DB Deutsche Bank Trust Co. Americas 25.5% SN Safra National Bank of New York 30.4% NB NBT Bank National Association 31.1% BH Bank Hapoalim Bank M 34.7% ID Israel Discount Bank of NY 41.5% PB Popular Bank 47.9% AB Apple Bank 49.4% DC Dime Commercial Bank 55.8%
Loans, year over yearNY banks over $10B · 30 June 2026 · no better direction, largest first
median +5.2% SN Safra National Bank of New York +24.8% BH Bank Hapoalim Bank M +16.4% Bo Bank of Baroda +14.5% Bo Bank of China +9.9% CB Community Bank National Association +7.3% AB Apple Bank +6.6% ID Israel Discount Bank of NY +3.9% PB Popular Bank +3.4% NB NBT Bank National Association +2.1% SB State Bank of India -1.4% DC Dime Commercial Bank -1.6% DB Deutsche Bank Trust Co. Americas -3.7%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Bank of BarodaRankCohort median
Total CRE against capital, the 300% screenno record239%
Construction against capital, the 100% screenno record15%
Construction and land development, share of loans0.0%3rd of 122.2%
Non-owner-occupied nonfarm nonresidential, share of loansno record18.5%
Total CRE, the guidance definition, share of loans0.0%2nd of 1230.7%
CRE growth over 36 months, the third prongno record+18.8%
Commercial real estate against capital, the 300% screenNY banks over $10B · 30 June 2026 · lower is stronger, listed first
median 239% DB Deutsche Bank Trust Co. Americas 40% SN Safra National Bank of New York 102% CB Community Bank National Association 201% NB NBT Bank National Association 228% ID Israel Discount Bank of NY 250% PB Popular Bank 311% DC Dime Commercial Bank 355% AB Apple Bank 436%
CRE growth over 36 months, the guidance's third prongNY banks over $10B · 30 June 2026 · lower is stronger, listed first
median +18.8% Bo Bank of China -34.3% DC Dime Commercial Bank -23.1% DB Deutsche Bank Trust Co. Americas -9.3% AB Apple Bank +5.4% SN Safra National Bank of New York +11.9% PB Popular Bank +25.7% CB Community Bank National Association +31.8% ID Israel Discount Bank of NY +40.7% NB NBT Bank National Association +71.2% BH Bank Hapoalim Bank M +134.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Bank of China$48.52Bno recordno record1.63%no recordno record71.1%no record
Deutsche Bank Trust Co. Americas$40.53B1.0%63.7%0.92%0.00%0.2%55.1%24.5%
State Bank of India$22.51Bno recordno record0.00%no recordno record107.5%no record
Apple Bank$19.89B0.4%80.2%0.44%0.04%0.4%85.6%8.1%
Community Bank National Association$17.45B1.2%58.0%0.50%0.11%0.8%75.9%9.6%
Bank of Baroda$16.24Bno recordno record0.00%no recordno record104.7%no record
NBT Bank National Association$16.09B1.2%59.2%0.55%0.16%1.2%86.8%11.6%
Safra National Bank of New York$15.69B1.0%61.7%0.00%0.00%0.8%26.4%8.6%
Dime Commercial Bank$15.03B1.0%49.7%0.64%0.34%1.0%84.0%11.3%
Popular Bank$15.03B1.0%55.2%0.39%0.06%0.8%98.7%14.4%
Israel Discount Bank of NY$14.39B0.8%67.1%1.18%0.16%0.9%80.9%10.2%
Bank Hapoalim Bank M$11.04Bno recordno record1.92%no recordno record104.9%no record
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bank of BarodaCohort median
20212026Change20212026Change
Loans$5.74B$10.37B+81%$7.81B$11.53B+48%
Deposits$3.96B$9.91B+150%$9.82B$13.42B+37%
NPA / loans0.66%0.00%-0.66 pts0.60%0.53%-0.07 pts
Efficiencyno recordno record65.7%60.5%-5.2 pts
ROAno recordno record0.87%0.98%+0.11 pts

This read was prepared for Bank of Baroda's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bank of Baroda is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks over $10B

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue