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Habib American Bank


Habib American Bank is an FDIC insured institution headquartered at 150 East 45th Street, New York, NY 10017.
It was founded in 1984 and has approximately $3 billion in assets. Customers can open an account at one of its 7 branches.

Deposit Rates - February 14, 2026

SAVINGS RATES APY MIN
SAV
0.60% $500 Compare
CD RATES APY MIN
6 Mo CD
4.40% $1,500 Compare
11 Mo CD
4.25% $1,500 Compare
12 Mo CD
3.00% $1,500 Compare
18 Mo CD
3.00% $1,500 Compare
24 Mo CD
3.00% $1,500 Compare
36 Mo CD
3.00% $1,500 Compare
48 Mo CD
3.00% $1,500 Compare
60 Mo CD
2.00% $1,500 Compare
MM RATES APY MIN
Money Market
0.60% $1,500 Compare




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 25093
Date Established 1984
Assets $ 2.66 billion
Loans $ 1,747.15 million
Deposits $ 2.26 billion
Capital $ 239.02 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 492.56 million
Interest-bearing balances $ 479.88 million
Total securities $ 300.09 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,747.15 million
Loan loss allowance $ 23.09 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 2.60 million
All other assets $ 52.85 million
     Total Assets $ 2.42 billion

LIABILITIES
Total deposits $ 2.26 billion
      Interest-bearing deposits $ 1,899.40 million
      Deposits held in domestic offices $ 1,820.49 million
      % insured (estimated)" 54.86%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 100.00 million
Subordinated debt N.A.
All other liabilities $ 30.80 millionn
      Total Liabilities $ 2.42 billion
      Shareholders’ Equity $ 239.02 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 106.38 million
Total Interest Expense $ 69.11 million
Net interest income $ 37.27 million
Provision for loan and lease losses $ 0.25 million
Total non interest income $ 21.24 million
Total non interest expense $ 33.78 million
Pre-tax Net Operating Income $ 21.80 million


*Should any logos, images or public notes appear on this page,they do so courtesy of Habib American Bank and are not subject to approval of RatesAndInfo.com. RatesAndInfo.com expressly disclaims all responsibility for this content.

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Branches

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Your current location is: New York City, NY

Habib American Bank Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Habib American Bank
    Bank
    -
    $50,000
    N.A.
    0.60%
    2.66x (National Avg. - 0.23%)
    $500
    -
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 299 209
    2 50,299 301 211
    3 50,600 303 212
    4 50,902 304 213
    5 51,207 306 214
    6 51,513 308 216
    7 51,821 310 217
    8 52,131 312 218
    9 52,443 314 220
    10 52,756 315 221
    11 53,072 317 222
    12 53,389 319 223
    13 53,708 321 225
    14 54,030 323 226
    15 54,353 325 228
    16 54,678 327 229
    17 55,005 329 230
    18 55,334 331 232
    19 55,664 333 233
    20 55,997 335 234
    TOTAL $6,332 $4,433
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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