BlastPoint's Banking Scorecard
Mizuho Bank (USA)
Mid-Market
Specialty: Other
NY
FDIC cert 21843
New York, NY
201
banks in Mid-Market tier nationally
22 in NY
View Mid-Market leaderboard (NY) →
Mizuho Bank (USA) has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 17% in Mid-Market
- + Delinquency Rate 0.68% below tier
- + Loan-to-Deposit Ratio 40.59% below tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 17.84% above tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 25% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.5B
-34.3% YoY
-16.7% QoQ
|
-$5.0B |
$10.5B
+2.9% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$1.8B
-28.4% YoY
-25.3% QoQ
|
-$5.3B |
$7.1B
+4.5% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$4.0B
-42.5% YoY
-21.9% QoQ
|
-$4.5B |
$8.5B
+3.0% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
1.36%
-17.9% YoY
+16.0% QoQ
|
+0.20% |
1.16%
+9.4% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
66% |
| Net Interest Margin ? |
2.33%
-16.9% YoY
+2.9% QoQ
|
-1.06% |
3.40%
+7.9% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
83.24%
+10.3% YoY
-2.5% QoQ
|
+26.64% |
56.60%
-3.2% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? | 0.00% | -0.68% |
0.68%
+12.0% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
44.88%
+24.6% YoY
-4.3% QoQ
|
-40.59% |
85.47%
+1.1% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.41%
+27.4% YoY
+13.0% QoQ
|
+7.77% |
20.64%
-0.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+7.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
31.39%
+27.4% YoY
+19.4% QoQ
|
+17.84% |
13.55%
+1.8% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
10.88%
+90.2% YoY
+70.8% QoQ
|
+9.92% |
0.96%
+7.1% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (5)
Revenue Diversifier
growth
#9 of 49 · Top 17% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
10.88%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
1.36%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
Delinquency Rate
metric
Top 1%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 0.68%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 3%
in Mid-Market
Why this stands out
Current:
44.88%
(Tier avg: 85.47%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Mid-Market
Why this stands out
Current:
31.39%
(Tier avg: 13.55%, National avg: 9.75%)
Concerns (1)
Efficiency Drag
risk
#3 of 9 · Bottom 25% in Mid-Market
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
83.24%
(Tier: 56.60%, National: 65.09%)
9 of 9 Mid-Market banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.68%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Tier 1 Capital Ratio
Current: 31.39% · Tier avg: 13.55%
99
99th pctile
Non-Interest Income / Assets
Current: 10.88% · Tier avg: 0.96%
97
97th pctile
Loan-to-Deposit Ratio
Current: 44.88% · Tier avg: 85.47%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 28.41% · Tier avg: 20.64%
66
66th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.16%
12
12th pctile
Net Interest Margin
Current: 2.33% · Tier avg: 3.40%
9
9th pctile
Total Assets
Current: $5.5B · Tier avg: $10.5B
3
3th pctile
Total Deposits
Current: $4.0B · Tier avg: $8.5B
3
3th pctile
Efficiency Ratio
Current: 83.24% · Tier avg: 56.60%
3
3th pctile
Total Loans
Current: $1.8B · Tier avg: $7.1B
Top Weaknesses
3
3th pctile
Total Loans
Current: $1.8B · Tier avg: $7.1B
3
3th pctile
Efficiency Ratio
Current: 83.24% · Tier avg: 56.60%
3
3th pctile
Total Deposits
Current: $4.0B · Tier avg: $8.5B
9
9th pctile
Total Assets
Current: $5.5B · Tier avg: $10.5B
12
12th pctile
Net Interest Margin
Current: 2.33% · Tier avg: 3.40%
66
66th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.16%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 28.41% · Tier avg: 20.64%
97
97th pctile
Loan-to-Deposit Ratio
Current: 44.88% · Tier avg: 85.47%
99
99th pctile
Non-Interest Income / Assets
Current: 10.88% · Tier avg: 0.96%
100
100th pctile
Tier 1 Capital Ratio
Current: 31.39% · Tier avg: 13.55%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.68%