National Bank of New York City

13629 38th Avenue
Flushing, NY 11354

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 18734
Date Established 1963
Assets $0.23 billion
Loans $0.19 billion
Deposits $0.17 billion
Capital $0.04 billion

National Bank of New York City is an FDIC insured institution located in Flushing, NY. It was founded in 1963 and has approximately $0.23 billion in assets.

For a more detailed analysis of National Bank of New York City's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in National Bank of New York City’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Multifamily Mortgages.

Compared to other banks in New York, National Bank of New York City has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.18
Multifamily
Mortgages
6.41
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 77.67
Commercial and Industrial Loans 1.12
Farm Loans 0.00

Deposit Rates - March 22, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
1.90% $2,500 $24,999 Learn MoreShow Less
Money Market
2.00% $25,000 $99,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
1.90% $1,000 - Learn MoreShow Less
6 Mo CD
2.30% $1,000 - Learn MoreShow Less
12 Mo CD
2.50% $2,500 - Learn MoreShow Less
18 Mo CD
2.60% $2,500 - Learn MoreShow Less
24 Mo CD
2.90% $2,500 - Learn MoreShow Less
30 Mo CD
3.00% $2,500 - Learn MoreShow Less
36 Mo CD
3.05% $2,500 - Learn MoreShow Less
48 Mo CD
3.10% $2,500 - Learn MoreShow Less
60 Mo CD
3.15% $2,500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
2.50% $2,500 - Learn MoreShow Less

Loan Rates - March 22, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for National Bank of New York City

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.560% 4.560% 0.00 $0 $1,276 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info

Note to National Bank of New York City
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Branches

National Bank of New York City branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


National Bank of New York City Locations


Financial Details

National Bank of New York City Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of National Bank of New York City. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
National Bank of New York City U.S. Bank Average
0% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2018, National Bank of New York City had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $40,922,000 in equity and $2,653,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
National Bank of New York City U.S. Bank Average
4.97% 9.95%

National Bank of New York City has a Return on Equity of 4.97% versus the BestCashCow average of 9.95%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
National Bank of New York City U.S. Bank Average
17.54% 12.19%

National Bank of New York City has a Capitalization of 17.54% versus the BestCashCow average of 12.19. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

National Bank of New York City Balance Sheet Analysis

As of September 30, 2018, National Bank of New York City had assets of $233,281,000, loans of $192,495,000, and deposits of $169,715,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.03 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.19 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.19 billion
LIABILITIES
Total deposits $0.17 billion
      Interest-bearing deposits $0.14 billion
      Deposits held in domestic offices $0.17 billion
      % insured (estimated) 90.68%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.19 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $-0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About National Bank Of New York City

Branches and Savings

Is National Bank Of New York City FDIC insured?

Yes. It is covered under FDIC Certificate #18734.

Why does National Bank Of New York City pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are National Bank Of New York City CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is National Bank Of New York City a commercial bank?

Yes

Where are National Bank Of New York City locations?

See branch locations nearby.

Is National Bank Of New York City open on Saturdays?

Is National Bank Of New York City open on Sundays?

What time does National Bank Of New York City open?

What time does National Bank Of New York City close?

Are National Bank Of New York City ATMs Open 24/7?

Do National Bank Of New York City ATMs accept cash deposits?

Can National Bank Of New York City customers use other ATMs?

Do National Bank Of New York City branches have notaries?

Will National Bank Of New York City notarize my document?

What address for National Bank Of New York City should I put for incoming ACH transfers?

Will the National Bank Of New York City branch print checks?

Do National Bank Of New York City checks expire?

Does National Bank Of New York City require US citizenship to open account?

Can National Bank Of New York City close my account?

Does National Bank Of New York City Report to credit bureaus?

Does National Bank Of New York City Use Equifax?

What is National Bank Of New York City's ACH Routing Number?

What is National Bank Of New York City's SWIFT code?

Products

Does National Bank Of New York City offer mortgages?

Compare mortgage rates here.

Does National Bank Of New York City offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does National Bank Of New York City offer personal loans?

Compare personal loan rates here.

Does National Bank Of New York City offer student loans?

Will National Bank Of New York City cash a check?

Will National Bank Of New York City redeem a savings bond?

Does National Bank Of New York City cash savings bonds?

Will National Bank Of New York City cash money orders?

Can National Bank Of New York City issue a money order?

Does National Bank Of New York City do currency exchange?

Background on The Bank

Who owns National Bank Of New York City?

How long has National Bank Of New York City been around?

Can National Bank Of New York City transfer to other banks?

Does National Bank Of New York City have quick pay?

Does National Bank Of New York City accept rolled coins?

Will National Bank Of New York City accept loose change?

Where is National Bank Of New York City headquarters?

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