Excel Bank, National Association
New York City, NY
IDRSSD: 2398701
Total Assets
$659.97M
Latest filing
Total Deposits
$496.59M
Latest filing
Net Interest Margin
2.68%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 02/01/1996 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 10016 |
| State and County Number | 36061 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 3 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | — |
| Core Based Statistical Area Name | New York-Newark-Jersey City, NY-NJ-PA |
Operational Info
| Number of Employees | 43 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 03/01/1997 |
| Date of Deposit Insurance | 02/01/1996 |
| Primary Insurance Agency | BIF |
| Website | N/A |
| Data Updated | 11/14/2025 |
| CERT | 34124 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $659.97M |
| Total Deposits | $496.59M |
| Total Liabilities | $580.52M |
| Total Equity Capital | $79.46M |
| Net Income | $-3,677,000 |
| Net Loans and Leases | $476.37M |
| Assets Per Employee ($Millions) | $15.71M |
| Bank Premises and Fixed Assets | $1.18M |
| Cash and Balances due from Depository Institutions | $66.63M |
| Deposits Held in Domestic Offices | $496.59M |
Key Performance Ratios
| Return on Assets (ROA) | -2.15% |
| Return on Equity (ROE) | -18.08% |
| Net Interest Margin | 2.68% |
| Efficiency Ratio | 91.37% |
| Tier 1 Risk-Based Capital Ratio | 15.227% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 3.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.039% |
| Earning Assets to total Assets | 95.91% |
Income and Expense
| Total Interest Income | $9.45M |
| Total Noninterest Income | $97.00k |
| Total Interest Expense | $5.04M |
| Total Noninterest Expense | $4.12M |
| Net Interest Income | $4.41M |
| Pre-tax Net Operating Income | $-4,927,000 |
| Provision for Credit Losses | $5.32M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $80.83M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.10M |
| Total Liabilities and Capital | $659.97M |
Securities
| Securities | $90.58M |
| Available-for-sale debt securities | $48.78M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $41.80M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Excel Bank, National Association?
$659.97M as of the latest filing.
How much are Excel Bank, National Association's total deposits?
$496.59M in total deposits.
Where is Excel Bank, National Association located?
New York City, NY.
What is the Net Interest Margin?
2.68%.
How many domestic offices does it operate?
1.
When was it established?
02/01/1996.
What is the Return on Assets (ROA)?
-2.15%.
How much are total loans and leases?
$476.37M (latest filing).
What is the total interest income (latest filing)?
$9.45M.