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Industrial And Commercial Bank Of China Usa, National Association
New York, NY · FDIC Certificate #24387 · Chartered 02/1
Total assets
$2.86B
Total deposits
$2.21B
Total equity
$498.53M
Net loans
$2.69B
Branches (offices)
14
Net income (YTD)
$9.57M
Rank: #449 of 4,213 U.S. banks by assets · #32 of 115 in New York. Assets changed -0.7% and deposits -2.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.67% |
| Return on equity | 3.88% |
| Net interest margin (YTD) | 3.22% |
| Equity to assets | 17.43% |
| Tier 1 leverage ratio | 17.26% |
| Uninsured deposits (share of deposits) | 37.2% |
| Noncurrent loans (share of loans) | 4.20% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 122.0% |
| Real estate loans (share of loans) | 56.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.53B | 56.7% | |
| Commercial & industrial | $1.17B | 43.5% | |
| Consumer / individual | $464.00K | 0.0% | |
| Construction & development | $28.20M | 1.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.78B | $2.24B | $9.22M | $416.12M |
| Jun 2023 | $2.96B | $2.13B | $17.50M | $446.60M |
| Jun 2024 | $2.92B | $2.05B | $11.93M | $465.35M |
| Jun 2025 | $2.88B | $2.26B | $7.08M | $481.09M |
| Jun 2026 | $2.86B | $2.21B | $9.57M | $498.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $1.21B | 4 |
| California | $999.24M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.21B.
Similar-sized banks
Bank Independent ($2.86B) · Anb Bank ($2.85B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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