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

Bank of India

New York, New York · $7.42B in assets · beside the 11 other New York banks between $3B and $10B

The filing

0.00%
NPA / loans
1st of 12
0.0%
CRE / loans
1st of 12
-18.6%
Loans, year over year
12th of 12, largest first

Bank of India is the fifth largest of the 12 New York banks nearest its size between $3B and $10B, with $7.42B in assets at 30 June 2026. Loans are 67.9% of deposits, 3rd of 12 against a median of 89.6%. Loans grew -18.6% in the year, the slowest in the cohort, and deposits grew 0.5%; the cohort's median loan growth is +4.5%.

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, the lowest in the cohort against a median of 36.1%.

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 $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 36.1% Bo Bank of India 0.0% BT Bessemer Trust Co. N.A. 0.0% MP Mashreqbank PSC 1.9% TB Trustco Bank 3.1% AB Arrow Bank National Association 18.2% CN Canandaigua National Bank & Trust Co. 31.0% TC Tompkins Community Bank 41.2% MC Metropolitan Commercial Bank 43.9% AB Amalgamated Bank 44.1% FS Five Star Bank 45.1% RS Ridgewood Savings Bank 49.9% NB Northfield Bank 74.8%
Loans, year over yearNY banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +4.5% BT Bessemer Trust Co. N.A. +28.2% MC Metropolitan Commercial Bank +10.8% AB Amalgamated Bank +9.2% TC Tompkins Community Bank +6.9% CN Canandaigua National Bank & Trust Co. +4.8% FS Five Star Bank +4.8% TB Trustco Bank +4.3% AB Arrow Bank National Association +2.1% RS Ridgewood Savings Bank +1.0% NB Northfield Bank -5.4% MP Mashreqbank PSC -12.5% Bo Bank of India -18.6%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Bank of IndiaRankCohort median
Total CRE against capital, the 300% screenno record243%
Construction against capital, the 100% screenno record12%
Construction and land development, share of loans0.0%2nd of 120.9%
Non-owner-occupied nonfarm nonresidential, share of loansno record11.7%
Total CRE, the guidance definition, share of loans0.0%1st of 1236.1%
CRE growth over 36 months, the third prongno record+24.8%
Commercial real estate against capital, the 300% screenNY banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 243% BT Bessemer Trust Co. N.A. 0% TB Trustco Bank 28% AB Arrow Bank National Association 142% AB Amalgamated Bank 235% CN Canandaigua National Bank & Trust Co. 241% RS Ridgewood Savings Bank 246% FS Five Star Bank 294% MC Metropolitan Commercial Bank 304% TC Tompkins Community Bank 323% NB Northfield Bank 381%
CRE growth over 36 months, the guidance's third prongNY banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median +24.8% MP Mashreqbank PSC -60.6% NB Northfield Bank -18.7% RS Ridgewood Savings Bank +10.4% MC Metropolitan Commercial Bank +23.8% CN Canandaigua National Bank & Trust Co. +23.9% FS Five Star Bank +25.8% TC Tompkins Community Bank +32.0% TB Trustco Bank +44.7% AB Amalgamated Bank +59.3% AB Arrow Bank National Association +72.0%

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
Amalgamated Bank$9.41B1.3%47.7%1.99%0.25%1.3%60.7%9.2%
Metropolitan Commercial Bank$8.86B1.2%52.2%0.91%1.27%0.8%94.3%10.9%
Tompkins Community Bank$8.79B1.4%53.1%0.80%0.07%0.9%92.1%9.3%
Ridgewood Savings Bank$7.55B0.7%67.3%1.85%0.18%0.7%81.1%12.8%
Bank of India$7.42Bno recordno record0.00%no recordno record67.9%no record
Mashreqbank PSC$6.93Bno recordno record0.00%no recordno record86.4%no record
Trustco Bank$6.52B1.0%54.8%0.40%0.00%1.0%94.6%8.5%
Five Star Bank$6.29B1.4%52.1%0.82%0.27%1.0%89.6%10.8%
Northfield Bank$5.50B1.0%52.3%0.62%0.28%1.0%92.6%13.1%
Canandaigua National Bank & Trust Co.$5.41B1.3%59.2%0.83%0.10%0.9%89.7%8.9%
Arrow Bank National Association$4.46B1.1%60.7%0.24%0.09%1.0%95.1%9.5%
Bessemer Trust Co. N.A.$4.16B3.2%79.4%0.00%0.00%0.0%32.7%10.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bank of IndiaCohort median
20212026Change20212026Change
Loans$1.65B$3.89B+136%$3.18B$4.42B+39%
Deposits$1.77B$5.73B+224%$3.74B$5.50B+47%
NPA / loans0.00%0.00%+0.00 pts0.26%0.71%+0.45 pts
Efficiencyno recordno record57.2%54.0%-3.3 pts
ROAno recordno record1.37%1.23%-0.14 pts

This read was prepared for Bank of India'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 India 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 $3B to $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.
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