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

Habib American Bank

New York, New York · $2.84B in assets · beside the 11 other New York banks between $1B and $3B

The filing

8.9%
Equity / assets
11th of 11
75.1%
CRE / loans
12th of 12
526.2%
CRE / capital
11th of 11

Habib American Bank is the second largest of the 12 New York banks nearest its size between $1B and $3B, with $2.84B in assets at 30 June 2026. Loans are 79.1% of deposits, 3rd of 11 against a median of 94.1%, and equity is 8.9% of assets, the lowest in the cohort. Loans grew +13.3% in the year, 5th of 12, and deposits grew 6.3%; the cohort's median loan growth is +11.1%.

Noncurrent loans are 0.73% of the book, 7th of 12 against a median of 0.65%; 1.38% is 30 to 89 days past due, and the allowance covers them 1.7 times. Commercial real estate is 75.1% of loans, the highest in the cohort against a median of 39.5%, and 526% of capital, above the 300% screen, with construction at 0% against the 100% screen. CRE has grown +52.2% over 36 months, past the guidance's 50% prong.

Return on assets is 0.96%, 7th of 11 against a median of 1.04%, on an efficiency ratio of 55.9%, 4th of 11. Five years ago it was 1.14%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 10.4% of loans).

Commercial real estate, share of loansNY banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 39.5% AI Allied Irish Banks 0.0% MB Mizuho Bank USA 0.0% EB Esquire Bank National Association 27.4% IC Industrial & Commercial Bank Chi 29.6% PB Pioneer Bank National Association 30.5% SB Shinhan Bank America 38.3% HC Hanover Community Bank 40.7% IB Interaudi Bank 41.6% CC Chemung Canal Trust Co. 54.5% MF Maspeth Federal Savings & Loan Association 55.9% OB Orange Bank & Trust Co. 68.9% HA Habib American Bank 75.1%
Loans, year over yearNY banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +11.1% AI Allied Irish Banks +43.9% EB Esquire Bank National Association +27.6% PB Pioneer Bank National Association +21.2% SB Shinhan Bank America +14.8% HA Habib American Bank +13.3% IB Interaudi Bank +11.3% CC Chemung Canal Trust Co. +11.0% OB Orange Bank & Trust Co. +2.9% HC Hanover Community Bank +1.2% MF Maspeth Federal Savings & Loan Association +0.5% IC Industrial & Commercial Bank Chi -0.6% MB Mizuho Bank USA -83.6%

SBA 7(a), FY2008 to FY2026

Habib American Bank is the 172nd largest 7(a) lender into New York of 402, with $7M across 9 loans, 0.0% of everything approved in the state (Manufacturers and Traders Trust Company leads with $1.26B). 13 of its 13 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New York, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
New York, NY$4M86th of 2080.1%quiet FY2012
Middlesex, NJ$2M81st of 1500.2%quiet FY2015
Dutchess, NY$1M41st of 820.5%quiet FY2012
Union, NJ$1M87th of 1400.1%quiet FY2013
Kings, NY$985K118th of 1690.0%quiet FY2014
Essex, NJ$900K101st of 1380.1%quiet FY2011
Riverside, CA$810K170th of 2190.0%quiet FY2011
Delaware, PA$675K88th of 1190.1%quiet FY2011
Bronx, NY$660K79th of 1080.1%quiet FY2012
Los Angeles, CA$600K247th of 3080.0%quiet FY2011
New Castle, DE$500K78th of 1210.1%quiet FY2011
Morris, NJ$280K114th of 1260.0%quiet FY2010
Suffolk, NY$200K160th of 1740.0%quiet FY2009
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services8$5M34.8%0.01%837th of 2,596
Retail trade9$4M32.2%0.01%784th of 2,589
Health care & social assistance4$2M17.9%0.01%803rd of 2,172
Construction1$660K4.8%0.00%1355th of 2,063
Wholesale trade2$450K3.3%0.00%1136th of 1,651
7(a) lenders into New York, share of approvals since FY2008402 lenders on record; the ten largest and Habib American Bank
Ma Manufacturers and Traders Trust C… 6.5% $1.26B · 10,321 loans N Newbank 6.4% $1.24B · 1,163 loans JC JPMorgan Chase Bank, National Ass… 5.6% $1.09B · 8,716 loans TB TD Bank, National Association 5.5% $1.07B · 8,357 loans LO Live Oak Banking Company 4.0% $774M · 638 loans KN KeyBank National Association 3.7% $717M · 3,387 loans NS Newtek Small Business Finance, In… 2.9% $571M · 760 loans FB Finwise Bank 2.8% $542M · 476 loans Bo Bank of Hope 2.7% $518M · 1,174 loans DC Dime Commercial Bank 2.6% $507M · 575 loans HA Habib American Bank 0.0% $7M · 9 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Habib American BankRankCohort median
Total CRE against capital, the 300% screen526%11th of 11241%
Construction against capital, the 100% screen0%1st of 114%
Construction and land development, share of loans0.0%1st of 120.8%
Non-owner-occupied nonfarm nonresidential, share of loans58.9%11th of 1129.0%
Total CRE, the guidance definition, share of loans75.1%12th of 1239.5%
CRE growth over 36 months, the third prong+52.2%9th of 10+30.2%

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
Industrial & Commercial Bank Chi$2.86B0.7%70.7%4.20%0.00%0.8%122.9%17.4%
Habib American Bank$2.84B1.0%55.9%0.73%0.00%1.3%79.1%8.9%
Chemung Canal Trust Co.$2.82B1.4%58.1%0.38%0.01%1.1%99.9%10.8%
Orange Bank & Trust Co.$2.79B1.9%54.6%1.12%0.05%1.3%80.7%11.1%
Interaudi Bank$2.68B1.2%53.8%2.36%0.00%0.6%70.0%10.1%
Esquire Bank National Association$2.49B2.3%45.3%0.27%0.52%1.3%86.5%11.2%
Allied Irish Banks$2.43Bno recordno record0.00%no recordno recordno recordno record
Pioneer Bank National Association$2.34B0.7%76.9%0.48%0.16%1.5%94.5%12.2%
Hanover Community Bank$2.33B0.7%72.1%1.42%0.06%1.0%99.4%10.1%
Shinhan Bank America$2.23B0.6%74.5%0.57%-0.01%0.7%94.1%11.6%
Maspeth Federal Savings & Loan Association$2.21B1.1%59.3%1.22%0.00%0.9%140.1%34.9%
Mizuho Bank USA$2.14B1.0%93.1%0.00%0.00%0.4%23.0%14.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Habib American BankCohort median
20212026Change20212026Change
Loans$1.14B$1.92B+69%$1.29B$1.91B+48%
Deposits$1.57B$2.43B+55%$1.61B$2.11B+31%
NPA / loans0.34%0.73%+0.38 pts0.69%0.65%-0.04 pts
Efficiency55.0%55.9%+0.9 pts66.0%59.3%-6.8 pts
ROA1.14%0.96%-0.18 pts0.54%1.04%+0.50 pts

This read was prepared for Habib American Bank'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 Habib American Bank 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 $1B to $3B
Institution www.hab.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. 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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