IDB Bank

What IDB Bank does

IDB Bank (legal name: Israel Discount Bank of New York) is a New York State-chartered commercial bank founded in 1935 and headquartered at 1114 Sixth Avenue in Manhattan. It is a wholly-owned subsidiary of Discount Bancorp, Inc., the US holding company of Israel's Discount Bank Ltd., one of Israel's three largest banks, and is the largest Israeli-owned bank operating in the United States. With approximately $10 billion in assets and 1,001-5,000 employees, the bank operates full-service branches across New York, New Jersey, California, and Florida, plus representative offices in Israel and Latin America.

The bank's product platform is organized into commercial banking (commercial lending, treasury services, FX and interest rate derivatives, ABL/factoring, sponsor and leverage finance) and private banking (US private banking, international private banking, wealth management). Lending products include revolving credit, term loans, ABL/factoring, IP and brand financing, owner-occupied CRE loans, equipment leasing, tax-exempt financing for not-for-profits, and venture lending for startups. Revenue is generated primarily through net interest income from lending, fee-based treasury and cash management services, FX/derivatives trading spreads, wealth management fees via the IDB Lido Wealth RIA joint venture with Lido Advisors, and brokerage commissions through IDB Capital Corp (FINRA/SIPC member).

IDB pursues a relationship-driven, vertical-segment go-to-market targeting middle-market and enterprise clients across specialized industries (commercial real estate, healthcare, apparel & consumer products, food & beverage, not-for-profit and education, and high-tech/Israeli startups). The Israel Gateway program and bilingual Hebrew/English teams position the bank as the primary cross-border banking partner for Israeli companies entering the US and US firms engaging Israel, supported by the parent's Discount Bank Ltd. network in Tel Aviv.

Name

IDB Bank

Legal name

Israel Discount Bank of New York

Website

https://idbbank.com

Company type

Private

Founded year

1935

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

IDB Bank is a New York-based commercial and private bank with approximately $10 billion in assets, serving middle-market companies, high-net-worth individuals, and Israeli firms entering the US through relationship-driven lending, treasury, FX, and wealth management services.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (522110), Portfolio Management and Investment Advice (523940)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Affluent / Mass-Affluent Private Banking (FSABADAC)

akta.pro secondary industries

Real Estate (Commercial Property, REITs) (FSABACAH), Healthcare & Pharmaceuticals (FSABACAN)

Keywords

• Commercial banking
• Private banking
• Commercial lending
• Wealth management
• Treasury services

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Interest Income: Traditional lending revenue from commercial loans, real estate financing, healthcare lending, and consumer lending activities
2. Fee-Based Income: Banking fees, treasury services fees, cash management fees, and trade finance fees
3. Wealth Management Revenue: Investment management fees and advisory services through IDB Lido Wealth joint venture and IDB Capital brokerage subsidiary
4. Foreign Exchange Revenue: Revenue from foreign exchange transactions including spreads on spot, forwards, and options products
5. Syndication and Arrangement Fees: Fees from arranging and syndicating loan facilities, including co-lead arranger roles in senior debt facilities

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

IDB Bank is a New York-chartered commercial and private bank that provides relationship-based commercial banking (commercial lending, treasury services, ABL, factoring, sponsor and leverage finance), US and international private banking, and wealth management services to middle-market companies, high-net-worth individuals, and Israeli companies seeking US market entry. Core products include commercial loans, revolving lines of credit, asset-based lending, factoring, cash management, foreign exchange hedging, interest rate derivatives, private banking checking/savings/CD products, and discretionary portfolio management through its IDB Lido Wealth joint venture and IDB Capital brokerage subsidiary.

Product overview

IDB Bank operates as a commercial and private banking institution with a platform-plus-segments architecture. The core banking platform provides commercial banking services (commercial lending, treasury services) alongside private banking offerings (US and international private banking, wealth management). Specialized industry segments including Commercial Real Estate, Healthcare Banking, Apparel & Consumer Products, Food & Beverage, Not for Profit & Education, and IDB Tech serve distinct market needs. The Israel Gateway program specifically targets Israeli companies expanding to the US market. Digital platforms including IDB Access online banking and IDB Direct provide self-service banking capabilities. Subsidiaries include IDB Capital (brokerage) and IDB Lido Wealth (RIA joint venture with Lido Advisors). The bank serves clients across New York, California, Florida, New Jersey, and international markets including Israel and Latin America.

Differentiator

Problem solved

Functional benefit

Brands

• IDB Tech: Financial solutions for startups and technology companies, including venture lending, deposit packages, and relocation services for Israeli tech companies entering the U.S. market.
• IDB Capital
• IDB Lido Wealth
• Israel Gateway
• IDBAccess

Products and services

• Commercial Banking Comprehensive commercial banking solutions including commercial lending, treasury services, and access to wealth management designed to help businesses grow and succeed across the United States.
• Commercial Lending Full suite of competitive lending products including revolving lines of credit, asset-based lending, factoring, intellectual property financing, owner-occupied commercial real estate loans, equipment leasing, and access to loan syndication for middle-market businesses.
• Treasury Services Transactional banking and cash management services including checking and savings accounts, money market accounts, CDs, structured time deposits, FDIC coverage solutions, foreign exchange hedging, interest rate derivatives, cash management, and P-Card programs for commercial clients.
• US Private Banking Personalized and comprehensive solutions for high-net-worth individuals and families including banking, lending, and wealth management services in the United States.
• International Private Banking Sophisticated banking solutions for clients in multiple markets across the globe, with representative offices in Latin America and Israel, offering services in English, Spanish, Portuguese, and Hebrew.
• Wealth Management Comprehensive investment and wealth strategies designed to grow, protect, and maximize clients' legacies through discretionary portfolio management and self-directed investments.
• Commercial Real Estate Financing Financing solutions for developers, investors, and management companies across property types including industrial, land, mixed-use, hospitality, multifamily, office, and retail.
• Healthcare Banking Banking solutions for hospitals, skilled nursing facilities, assisted living, independent living, medical offices, and behavioral health facilities including acquisition financing, bridge financing, construction loans, and tax-exempt bond financing.
• Sponsor and Leverage Finance Customized solutions for private equity firms supporting buy and build strategies, recapitalizations, ownership transitions, fund finance, and leveraged buyouts with an EBITDA focus range of $3MM to $35MM.
• ABL and Factoring Asset-based lending and factoring solutions providing flexible working capital through revolving lines of credit, term loans, and stretch financing for emerging brands and lower-middle market enterprises in manufacturing, consumer products, apparel, food and beverage, and business services.
• Israel Gateway Banking services specifically designed for Israeli companies looking to do business in the United States, including Hebrew and English-speaking professionals, U.S. account opening from Israel, and connections to Israeli business networks.
• IDB Tech Financial solutions for startups and established technology companies in cybersecurity, fintech, e-commerce, and other tech segments, providing venture lending, deposits, and fee packages for VC-backed companies and Israeli tech companies entering the U.S. market.
• Apparel and Consumer Products Banking Working capital solutions including IP and brand financing, trade finance, and receivables management for manufacturers, importers, and wholesalers in apparel, toys, games, consumer brands, distribution, diamond and jewelry, home appliances, electronics, and health and beauty.
• Food and Beverage Banking Banking solutions for companies across the food and beverage supply chain including processing, manufacturing, distribution, retail, imports, and production, with offerings such as equipment financing, acquisition financing, owner-occupied real estate, and lines of credit.
• Not for Profit and Education Banking Banking services for not-for-profit organizations, scientific and research organizations, religious organizations, and educational institutions including tax-exempt financing, capital project loans, liquidity solutions, and investment management.
• IDB Access Online Banking Comprehensive online banking platform for transaction banking, cash management, payables, receivables, information reporting, and security and fraud protection for commercial clients.
• IDB Capital Brokerage Full-service brokerage firm and registered broker-dealer, member of FINRA and SIPC, offering self-directed investment options including capital markets products, mutual funds, and retirement planning services.
• IDB Lido Wealth SEC-registered investment adviser joint venture with Lido Advisors offering portfolio management, financial planning, family office services, and retirement and estate planning for high-net-worth clients.
• Private Banking and Lending Solutions Wide range of banking solutions including checking accounts, money market savings, CDs, secured/unsecured lines of credit, term loans, structured time deposits, enhanced FDIC protection, and Visa Signature Cards for private banking clients.

Quantifiable outcome

• 70+ years of continuous operation
• +3 more outcomes

Named customers10 records

Segments11 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered minor and core.

• Greystone Capital AdvisorsminorImplementation/ SI/ Consulting Partner · 27 February 2025Greystone Capital Advisors arranged the $30 million refinancing loan for The Art of Newark. IDB Bank led the transaction with Greystone as arranger.
• Lido Advisors, LLCcoreStrategic or Co-development Partner · 1 January 2021Joint venture partnership to create IDB Lido Wealth LLC, a Registered Investment Advisor combining Lido's portfolio management strategy (including real estate and hedging strategies) with IDB's banking services for domestic high-net-worth clients. Lido has over $20.6 billion in regulatory assets under management and 30+ offices across the US.
• S&P Global RatingsminorOthersCredit rating agency that assigned IDB Bank a BBB+ issuer credit rating with positive outlook in January 2022.
• Kroll Bond Rating Agency (KBRA)minorOthersCredit rating agency that assigned IDB Bank A- senior unsecured debt rating with stable outlook in January 2025.

Scale indicators11 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Bank Leumi USA: Israel-based banking group operating US subsidiary; serves Israeli businesses and HNW clients across the US with commercial and private banking. Directly competes with IDB Bank in the Israeli-US corridor and HNW segment.
• City National Bank: Mid-sized US bank owned by Royal Bank of Canada with a comparable commercial + private banking and wealth management model, including entertainment, healthcare, and CRE lending verticals. Closely mirrors IDB in size and client mix.
• East West Bank: US-listed commercial bank with a similar niche-community focus (Asian-American business community), C&I lending, and international trade finance. Comparable relationship-driven middle-market and cross-border banking model.
• Customers Bancorp: Mid-sized US commercial bank with comparable C&I, multifamily/CRE, and asset-based lending exposure. Operates community-bank style branches and digital platforms targeting middle-market businesses.
• Live Oak Bank: Niche-focused US commercial bank with vertical specialization (healthcare, small business, government contracting). Comparable to IDB's industry-vertical commercial banking strategy.
• Amalgamated Bank: Mission-driven mid-sized US commercial bank with C&I, CRE, and not-for-profit/union segment focus. Overlaps IDB's not-for-profit, healthcare, and CRE lending segments.
• Bank Hapoalim (US operations): Another major Israeli bank with US corporate banking presence. Directly competes with IDB for Israeli corporate and HNW clients in the US.

Broad incumbents

• Webster Financial: Mid-sized regional bank offering commercial banking, healthcare financial services (HFS), and middle-market lending. Webb Bank's HSA Bank division is a useful wealth-banking analogue to IDB's private banking franchise.
• Axos Bank: Digital-forward US commercial bank with C&I and commercial real estate lending. IDB's new Commercial Banking president David Park joined from Axos, signaling direct talent-level competition for similar middle-market business.

Emerging players

• NorthEast Community Bank / Community Valley Bank-class mid-size commercial banks: Community and mid-sized commercial banks with $5B-$15B in assets and CRE/healthcare/sponsor lending focus. Comparable scale and segment overlap to IDB Bank for benchmarking.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/idb-bank
• Xx.com/idb_bank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles37 records

Subsidiaries7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments5 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about IDB Bank