BlastPoint's Banking Scorecard
CTBC Bank Corp. (USA)
Mid-Market
Specialty: Commercial
CA
FDIC cert 19416
Los Angeles, CA
201
banks in Mid-Market tier nationally
18 in CA
View Mid-Market leaderboard (CA) →
CTBC Bank Corp. (USA) faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 16% in Mid-Market
- - Credit Risk Growth: Bottom 30% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.6B
+6.9% YoY
+2.2% QoQ
|
-$4.9B |
$10.5B
+2.9% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$4.3B
+2.5% YoY
-0.1% QoQ
|
-$2.9B |
$7.1B
+4.5% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$4.8B
+7.0% YoY
+2.1% QoQ
|
-$3.8B |
$8.5B
+3.0% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
0.83%
+10.7% YoY
+10.0% QoQ
|
-0.33% |
1.16%
+9.4% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
2.99%
+16.3% YoY
+0.6% QoQ
|
-0.41% |
3.40%
+7.9% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
58.45%
-8.0% YoY
-0.1% QoQ
|
+1.85% |
56.60%
-3.2% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
0.73%
+120.5% YoY
+159.6% QoQ
|
+0.04% |
0.68%
+12.0% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
89.37%
-4.3% YoY
-2.2% QoQ
|
+3.90% |
85.47%
+1.1% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
14.55%
-4.1% YoY
+11.3% QoQ
|
-6.09% |
20.64%
-0.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.64%
+80.1% YoY
+108.2% QoQ
|
+0.14% |
0.50%
+7.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? | 0.00% | -13.55% |
13.55%
+1.8% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Bottom 1% in tier |
| Non-Interest Income / Assets ? |
0.30%
-10.6% YoY
+37.2% QoQ
|
-0.65% |
0.96%
+7.1% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Capital Thin
risk
#9 of 51 · Bottom 16% in Mid-Market
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 13.55%, National: 9.75%)
51 of 51 Mid-Market banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#27 of 87 · Bottom 30% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
59
59th pctile
Loan-to-Deposit Ratio
Current: 89.37% · Tier avg: 85.47%
41
41th pctile
Efficiency Ratio
Current: 58.45% · Tier avg: 56.60%
41
41th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.68%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.50%
27
27th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.40%
25
25th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.16%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.55% · Tier avg: 20.64%
22
22th pctile
Total Loans
Current: $4.3B · Tier avg: $7.1B
17
17th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.96%
14
14th pctile
Total Deposits
Current: $4.8B · Tier avg: $8.5B
11
11th pctile
Total Assets
Current: $5.6B · Tier avg: $10.5B
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
Top Weaknesses
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
11
11th pctile
Total Assets
Current: $5.6B · Tier avg: $10.5B
14
14th pctile
Total Deposits
Current: $4.8B · Tier avg: $8.5B
17
17th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.96%
22
22th pctile
Total Loans
Current: $4.3B · Tier avg: $7.1B
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.55% · Tier avg: 20.64%
25
25th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.16%
27
27th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.40%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.50%
41
41th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.68%
41
41th pctile
Efficiency Ratio
Current: 58.45% · Tier avg: 56.60%
59
59th pctile
Loan-to-Deposit Ratio
Current: 89.37% · Tier avg: 85.47%