BlastPoint's Banking Scorecard
Industrial and Commercial Bank of China USA, National Association
Community
Specialty: Commercial
NY
FDIC cert 24387
New York, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Industrial and Commercial Bank of China USA, National Association faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 13% in Community
- - Flatlined Growth: Bottom 14% in Community
- - Delinquency Rate 3.74% above tier
- - Nonperforming Asset Ratio 3.59% above tier
- - Non-Interest Income / Assets 0.64% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+0.7% YoY
-1.4% QoQ
|
+$1.5B |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$2.7B
+1.0% YoY
-1.4% QoQ
|
+$1.7B |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$2.2B
-1.5% YoY
+0.7% QoQ
|
+$1.0B |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
0.52%
-26.6% YoY
+7.5% QoQ
|
-0.64% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
2.99%
-4.8% YoY
+0.4% QoQ
|
-0.68% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
75.74%
+9.7% YoY
-0.8% QoQ
|
+13.11% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
4.37%
+148.1% YoY
+1.0% QoQ
|
+3.74% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
122.96%
+2.5% YoY
-2.1% QoQ
|
+39.90% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.18%
+26.5% YoY
+5.6% QoQ
|
-3.87% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
4.09%
+148.7% YoY
+0.9% QoQ
|
+3.59% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
17.06%
+0.3% YoY
+2.6% QoQ
|
+6.82% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.10%
-11.8% YoY
+33.5% QoQ
|
-0.64% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Liquidity Overhang
risk
#36 of 268 · Bottom 13% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
17.06%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
122.96%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#36 of 245 · Bottom 14% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.52%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
4.37%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
4.09%
(Tier avg: 0.50%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
0.10%
(Tier avg: 0.74%, National avg: 0.65%)
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
96
96th pctile
Total Loans
Current: $2.7B · Tier avg: $975.5M
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
88
88th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
86
86th pctile
Tier 1 Capital Ratio
Current: 17.06% · Tier avg: 10.24%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.18% · Tier avg: 21.05%
17
17th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.66%
16
16th pctile
Efficiency Ratio
Current: 75.74% · Tier avg: 62.63%
12
12th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.16%
3
3th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.74%
1
1th pctile
Loan-to-Deposit Ratio
Current: 122.96% · Tier avg: 83.06%
0
0th pctile
Delinquency Rate
Current: 4.37% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.09% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.09% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 4.37% · Tier avg: 0.63%
1
1th pctile
Loan-to-Deposit Ratio
Current: 122.96% · Tier avg: 83.06%
3
3th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.74%
12
12th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.16%
16
16th pctile
Efficiency Ratio
Current: 75.74% · Tier avg: 62.63%
17
17th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.66%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.18% · Tier avg: 21.05%
86
86th pctile
Tier 1 Capital Ratio
Current: 17.06% · Tier avg: 10.24%
88
88th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
96
96th pctile
Total Loans
Current: $2.7B · Tier avg: $975.5M