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

Standard Chartered Bank PLC

New York · $69.15B in assets · beside the 11 other New York banks over $10B

The filing

52.6%
Loans / deposits
2nd of 12
2.0%
CRE / loans
3rd of 12
+24.4%
Loans, year over year
3rd of 12, largest first

Standard Chartered Bank PLC is the second largest of the 12 New York banks nearest its size over $10B, with $69.15B in assets at 30 June 2026. Loans are 52.6% of deposits, 2nd of 12 against a median of 84.8%. Loans grew +24.4% in the year, 3rd of 12, and deposits grew 31.4%; the cohort's median loan growth is +6.9%.

Noncurrent loans are 0.60% of the book, 8th of 12 against a median of 0.53%; 0.08% is 30 to 89 days past due, and the allowance is no record of loans. Commercial real estate is 2.0% of loans, 3rd of 12 against a median of 25.4%. CRE has grown +292.1% over 36 months, past the guidance's 50% prong.

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% SC Standard Chartered Bank PLC 52.6% DB Deutsche Bank Trust Co. Americas 55.1% Bo Bank of China 71.1% CB Community Bank National Association 75.9% DC Dime Commercial Bank 84.0% AB Apple Bank 85.6% NB NBT Bank National Association 86.8% FB Flagstar Bank National Association 90.6% Bo Bank of Baroda 104.7% SB State Bank of India 107.5% BB Banco Bilbao Vizcaya Sa 201.3%
Loans, year over yearNY banks over $10B · 30 June 2026 · no better direction, largest first
median +6.9% BB Banco Bilbao Vizcaya Sa +64.1% SN Safra National Bank of New York +24.8% SC Standard Chartered Bank PLC +24.4% Bo Bank of Baroda +14.5% Bo Bank of China +9.9% CB Community Bank National Association +7.3% AB Apple Bank +6.6% 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% FB Flagstar Bank National Association -5.0%

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
Standard Chartered Bank PLCRankCohort median
Total CRE against capital, the 300% screenno record228%
Construction against capital, the 100% screenno record5%
Construction and land development, share of loans1.6%7th of 121.4%
Non-owner-occupied nonfarm nonresidential, share of loansno record14.5%
Total CRE, the guidance definition, share of loans2.0%3rd of 1225.4%
CRE growth over 36 months, the third prong+292.1%9th of 10+8.7%
Commercial real estate against capital, the 300% screenNY banks over $10B · 30 June 2026 · lower is stronger, listed first
median 228% 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% FB Flagstar Bank National Association 328% 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 +8.7% Bo Bank of China -34.3% FB Flagstar Bank National Association -32.3% 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% CB Community Bank National Association +31.8% NB NBT Bank National Association +71.2% SC Standard Chartered Bank PLC +292.1% BB Banco Bilbao Vizcaya Sa +1219.6%

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
Flagstar Bank National Association$87.71B0.1%89.9%4.97%0.58%1.4%90.6%9.3%
Standard Chartered Bank PLC$69.15Bno recordno record0.60%no recordno record52.6%no record
Banco Bilbao Vizcaya Sa$58.37Bno recordno record0.51%no recordno record201.3%no record
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%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Standard Chartered Bank PLCCohort median
20212026Change20212026Change
Loans$13.41B$29.87B+123%$9.58B$13.97B+46%
Deposits$46.48B$56.81B+22%$11.86B$15.50B+31%
NPA / loans0.09%0.60%+0.51 pts0.57%0.53%-0.03 pts
Efficiencyno recordno record59.8%61.7%+1.9 pts
ROAno recordno record1.08%0.98%-0.11 pts

This read was prepared for Standard Chartered Bank PLC'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 Standard Chartered Bank PLC 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.
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