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Israel Discount Bank Of New York

IDRSSD: 320119
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q1QoQ -7

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q1

Bank #320119 2025-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 33.1% (Adjusted NPL + Performing Mods denominator).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 31.4% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2024:
↓ -7 ptscomposite
  • Liquidity
    ↓ -13
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -19

The five pillars

Liquidity

StableQoQ -13
64
Sub-score

Liquidity is stable: brokered 31.4%, loans/deposits 80.7%, cash 5.2% of assets.

Cash / Assets
5.24%
Loans / Deposits
80.68%
Brokered %
31.39%

Watch Items

  • infoBrokered deposits above 30% — Brokered 31.4% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.54%
No watch items at this period.

Capitalization

StrongQoQ -2
93
Sub-score

Capital position is strong: Tier 1 RBC 13.63%, CET1 13.63%, leverage 10.48%.

Tier 1 RBC
13.63%
CET1
13.63%
Leverage
10.48%
No watch items at this period.

Asset Quality

StrongQoQ -3
96
Sub-score

Asset quality is strong: Adjusted NPL 0.97%, Texas Ratio 6.0%, NCO YTD 0.01%.

Adjusted NPL
0.97%
Govt-guarantees stripped
Texas Ratio
6.0%
NCO YTD
0.01%
30-89 PD
0.13%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -19
21
Sub-score

Reserves are weak: ALLL 0.85% of loans, coverage 87.7%, true coverage 33.1%.

ALLL / Loans
0.85%
Coverage
87.7%
True Loss Coverage
33.1%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 33.1% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 16:39:42 UTC