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

Safra National Bank of New York

New York, New York · $15.69B in assets · beside the 11 other New York banks over $10B

The filing

26.4%
Loans / deposits
1st of 12
+24.8%
Loans, year over year
1st of 12, largest first
101.7%
CRE / capital
2nd of 8

Safra National Bank of New York is the eighth largest of the 12 New York banks nearest its size over $10B, with $15.69B in assets at 30 June 2026. Loans are 26.4% of deposits, the lowest in the cohort against a median of 84.8%, and equity is 8.6% of assets, 7th of 8. Loans grew +24.8% in the year, the fastest in the cohort, and deposits grew 53.0%; 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 0.8% of loans, 6th of 8. Commercial real estate is 30.4% of loans, 6th of 12 against a median of 30.7%, and 102% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 0.97%, 6th of 8 against a median of 0.98%, on an efficiency ratio of 61.7%, 5th of 8. Five years ago it was 1.32%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsNY banks over $10B · 30 June 2026 · lower is stronger, listed first
median 84.8% SN Safra National Bank of New York 26.4% DB Deutsche Bank Trust Co. Americas 55.1% Bo Bank of China 71.1% CB Community Bank National Association 75.9% ID Israel Discount Bank of NY 80.9% DC Dime Commercial Bank 84.0% AB Apple Bank 85.6% NB NBT Bank National Association 86.8% PB Popular Bank 98.7% Bo Bank of Baroda 104.7% BH Bank Hapoalim Bank M 104.9% SB State Bank of India 107.5%
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
Safra NationalRankCohort median
Total CRE against capital, the 300% screen102%2nd of 8239%
Construction against capital, the 100% screen0%2nd of 815%
Construction and land development, share of loans0.0%4th of 122.2%
Non-owner-occupied nonfarm nonresidential, share of loans24.9%7th of 818.5%
Total CRE, the guidance definition, share of loans30.4%6th of 1230.7%
CRE growth over 36 months, the third prong+11.9%5th of 10+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
Safra NationalCohort median
20212026Change20212026Change
Loans$2.99B$3.67B+23%$7.81B$11.53B+48%
Deposits$7.93B$13.88B+75%$9.82B$13.42B+37%
NPA / loans0.00%0.00%+0.00 pts0.60%0.53%-0.07 pts
Efficiency48.3%61.7%+13.4 pts65.7%60.5%-5.2 pts
ROA1.32%0.97%-0.35 pts0.87%0.98%+0.11 pts

This read was prepared for Safra National Bank of New York'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 Safra National Bank of New York 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
Institution www.safra.com

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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