Bank health / #33682

State Bank of India

Name: State Bank of India: Bank Scorecard
Creator: FinObservatory

New York, New York · Insured US branch of a foreign bank

$23.46B

Total assets

$13.51B

Total deposits

#33682

FDIC cert

1955

Established

FinObservatory Composite

46.8/ 100

2026Q1, 0-100 where higher = financially stronger

Peer group

$10B - $250B

ranked within 144 peers this quarter

Capital

weight 0.25

2.4

Asset quality

weight 0.25

97.7

Earnings

weight 0.20

34.6

Liquidity

weight 0.15

41.0

Sensitivity (proxy)

weight 0.15

57.6

Not a CAMELS rating. The FinObservatory Composite is a transparent proxy computed only from public FDIC call-report data. It is not the confidential examiner-assigned CAMELS rating, and it is not investment or deposit advice: a high score is not a solvency guarantee, a low score is not a failure prediction. In the 2023 failures, public ratios rated Silicon Valley Bank above average the quarter before it failed, because the cause (unrealized long-duration securities losses against a concentrated deposit base) is invisible in these fields. Full methodology and caveats.

Source: FDIC BankFind Suite (institutions, financials) Methodology

Bank ratio history

State Bank of India: composite and ratio trends, 1992Q1 to 2026Q1

Quarterly. The raw call-report ratios run back to 1992Q1 where FDIC reports them (the 1992–2014 history and the 2015–present panel join at a continuous, non-overlapping seam). The FinObservatory Composite begins 2015Q1 only: its peer-percentile scoring is built on the 2015+ panel, and pre-2015 quarters are shown as a gap rather than back-filled with an incomparable score.

FinObservatory Composite (0-100)

Tier-1 leverage ratio (%)

Total risk-based capital (%)

Noncurrent loans (% of loans)

Return on assets (%)

Net interest margin (%)

Loans-to-deposits (%)

A field FDIC does not report for a given quarter is a gap, not a zero. Each panel has its own scale. Hover to read any quarter.

Source: FDIC BankFind Suite (institutions, financials) Noncurrent loans = loans 90+ days past due or nonaccrual, as a share of gross loans; loans-to-deposits is net loans over deposits. Methodology

Selected Call Report line items

Reported 2026 Q1 values are compared with 2025 Q1, the same calendar quarter one year earlier. Dollar amounts are thousands of dollars at source. Capital ratios are source percentages, not proportions. Income lines are cumulative year to date, so they are not compared quarter over quarter.

This certificate has no row in the canonical Call Report panel for these periods. Values remain n/a rather than being treated as zero.

Line item	Unit	2026 Q1 reported	2025 Q1 prior year	Absolute change	Percentage change
Balance sheet
Total assets	$ thousands	n/a	n/a	n/a	n/a
Total deposits	$ thousands	n/a	n/a	n/a	n/a
Total equity capital	$ thousands	n/a	n/a	n/a	n/a
Net loans and leases	$ thousands	n/a	n/a	n/a	n/a
Asset quality
Loans and leases in nonaccrual status	$ thousands	n/a	n/a	n/a	n/a
Loans and leases 90+ days past due	$ thousands	n/a	n/a	n/a	n/a
Capital
Tier 1 capital	$ thousands	n/a	n/a	n/a	n/a
Total risk-based capital ratio	Source %	n/a	n/a	n/a	n/a
Tier 1 leverage ratio	Source %	n/a	n/a	n/a	n/a
Year-to-date income
Net income	$ thousands	n/a	n/a	n/a	n/a
Interest income	$ thousands	n/a	n/a	n/a	n/a
Interest expense	$ thousands	n/a	n/a	n/a	n/a

Source: FDIC BankFind Suite (Call Reports) Selected canonical line items only; this is not the full FFIEC schedule set or an official UBPR. Missing historical fields are n/a, not zero. Methodology

Peer context (UBPR-style)

2026Q1. Peers are the 144 banks reporting this quarter with $10B - $250B in total assets, the same asset tier the Composite ranks within (the five tiers: Under $100M, $100M - $1B, $1B - $10B, $10B - $250B, $250B and up). Percentile ranks the bank's raw ratio among the n peers reporting it, ascending, with average rank for ties (the Composite builder's tie convention), so a high noncurrent-loans percentile means more noncurrent loans than peers. Unlike the Composite, nothing is inverted here.

Ratio	Bank	Peer median	Percentile	n
Tier-1 leverage ratio	0.00%	9.98%	2	144
Noncurrent loans / gross loans	0.00%	0.70%	2	144
Loan-loss reserve / gross loans	0.00%	1.13%	3	144
Return on assets	0.00%	1.19%	3	144
Net interest margin	0.00%	3.50%	2	144
Interest expense / earning assets	0.00%	1.82%	2	144
Brokered deposits / total deposits	n/a	3.93%	n/a	138

Source: FDIC BankFind Suite (institutions, financials) | FFIEC UBPR User's Guide The bank / peer median / percentile grammar mirrors the FFIEC Uniform Bank Performance Report presentation, applied to public FDIC data; this is not the UBPR itself, and the asset tiers are FinObservatory peer groups, not FFIEC's. Methodology

This scorecard is a public-data proxy, not a CAMELS rating and not investment or deposit advice. See the methodology and caveats.