Habib American Bank (FDIC #25093): Bank Stress & Real-Estate Credit Exposure
Habib American Bank (FDIC Cert #25093): bank stress 75/100, severe, STABLE over 7 days; parent MAHAM BETEILIGUNGSGESELLSCHAFT AG.
Habib American Bank (#25093) lends in 5 counties across 3 states; Habib American Bank (#25093) reaches 554 ZIP codes: New York 3 counties, 206 ZIPs; California 1 county, 304 ZIPs; New Jersey 1 county, 44 ZIPs.
Habib American Bank (#25093) largest markets: Los Angeles County, CA (608 branches, 304 ZIPs) (#25093), Nassau County, NY (70 branches, 70 ZIPs) (#25093), New York County, NY (70 branches, 70 ZIPs) (#25093), Queens County, NY (68 branches, 68 ZIPs) (#25093), Middlesex County, NJ (44 branches, 44 ZIPs) (#25093).
Habib American Bank (#25093) reports $2.84 billion in total assets; Habib American Bank (#25093) equity $252.2 million (8.9% of Habib American Bank (#25093) assets); Habib American Bank (#25093) domestic deposits $1.96 billion; Habib American Bank (#25093) net income $14.2 million; Habib American Bank (#25093) return on assets 0.99%; Habib American Bank (#25093) return on equity 11.35%; Habib American Bank (#25093) net interest income $31.6 million; Habib American Bank (#25093) call report June 30, 2026.
Habib American Bank (#25093) noncurrent real-estate loans: none reported; Habib American Bank (#25093) net charge-offs on real estate 0.76%; Habib American Bank (#25093) multifamily charge-offs 1.15%; Habib American Bank (#25093) residential charge-offs 0.78%.
Habib American Bank (#25093) net interest margin 2.32% against an eight-quarter Habib American Bank (#25093) average of 1.92% (Habib American Bank (#25093) compression -0.40 points); Habib American Bank (#25093) non-residential real estate 78.0% of equity; Habib American Bank (#25093) rate-exposure score 40/100, Habib American Bank (#25093) fixed-rate trap 40/100; Habib American Bank (#25093) risk type credit driven; Habib American Bank (#25093) rate regime rates elevated, Habib American Bank (#25093) snapshot October 20, 2026.
Habib American Bank (#25093) stress score moved from 75.3 on June 22, 2026 to 74.6 on October 20, 2026; Habib American Bank (#25093) ranged 74.6 to 75.3 over 117 snapshots.
Habib American Bank (#25093) alerts: 5 counties; top Habib American Bank (#25093) alert scores: New York County, NY 46 (moderate); Hicksville County, NY 26 (low); Iselin County, NY 26 (low); Jackson Heights County, NY 26 (low); Los Angeles County, NY 26 (low).