BlastPoint's Banking Scorecard
Woori America Bank
Community
Specialty: Commercial
NY
FDIC cert 24920
New York, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Woori America Bank faces 1 concern 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 31% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.0B
+4.0% YoY
-0.7% QoQ
|
+$2.6B |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$3.0B
+2.7% YoY
-3.1% QoQ
|
+$2.0B |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$3.4B
+3.5% YoY
-1.2% QoQ
|
+$2.2B |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
0.95%
+26.0% YoY
+6.6% QoQ
|
-0.21% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
2.94%
+10.4% YoY
+2.9% QoQ
|
-0.73% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
15% |
| Efficiency Ratio ? |
55.17%
-9.3% YoY
-3.3% QoQ
|
-7.46% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
0.12%
-44.3% YoY
-57.9% QoQ
|
-0.51% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
88.62%
-0.8% YoY
-1.8% QoQ
|
+5.55% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
30.65%
-9.3% YoY
+6.2% QoQ
|
+9.61% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
85% |
| Nonperforming Asset Ratio ? |
0.09%
-45.0% YoY
-58.9% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
18.35%
+8.1% YoY
+5.8% QoQ
|
+8.11% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.27%
-10.8% YoY
+47.8% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Overhang
risk
#84 of 268 · Bottom 31% 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:
18.35%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
88.62%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 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
97
97th pctile
Total Loans
Current: $3.0B · Tier avg: $975.5M
97
97th pctile
Total Deposits
Current: $3.4B · Tier avg: $1.2B
96
96th pctile
Total Assets
Current: $4.0B · Tier avg: $1.4B
90
90th pctile
Tier 1 Capital Ratio
Current: 18.35% · Tier avg: 10.24%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.65% · Tier avg: 21.05%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
79
79th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
73
73th pctile
Efficiency Ratio
Current: 55.17% · Tier avg: 62.63%
39
39th pctile
Loan-to-Deposit Ratio
Current: 88.62% · Tier avg: 83.06%
35
35th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.16%
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
15
15th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.66%
Top Weaknesses
15
15th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.66%
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
35
35th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.16%
39
39th pctile
Loan-to-Deposit Ratio
Current: 88.62% · Tier avg: 83.06%
73
73th pctile
Efficiency Ratio
Current: 55.17% · Tier avg: 62.63%
79
79th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.65% · Tier avg: 21.05%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.35% · Tier avg: 10.24%
96
96th pctile
Total Assets
Current: $4.0B · Tier avg: $1.4B
97
97th pctile
Total Deposits
Current: $3.4B · Tier avg: $1.2B
97
97th pctile
Total Loans
Current: $3.0B · Tier avg: $975.5M