BlastPoint's Banking Scorecard
Shinhan Bank America
Community
Specialty: Commercial
NY
FDIC cert 33188
New York, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Shinhan Bank America has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 20.86% above tier
- + Non-Interest-Bearing Deposit Share 20.45% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 14% in Community
- - Efficiency Drag: Bottom 54% in Community
- - Return on Assets 0.74% below tier
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+9.0% YoY
-0.4% QoQ
|
+$505.4M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$1.6B
+12.2% YoY
+3.0% QoQ
|
+$674.1M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$1.6B
+6.1% YoY
-0.4% QoQ
|
+$422.8M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
0.42%
+228.4% YoY
+18.4% QoQ
|
-0.74% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
3.68%
+8.5% YoY
+2.0% QoQ
|
+0.01% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
81.61%
-12.1% YoY
-3.3% QoQ
|
+18.98% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.45%
-10.8% YoY
-3.3% QoQ
|
-0.18% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
103.92%
+5.7% YoY
+3.4% QoQ
|
+20.86% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
41.50%
+1.2% YoY
-8.5% QoQ
|
+20.45% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.39%
-8.2% YoY
+0.0% QoQ
|
-0.11% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
17.77%
+16.6% YoY
-1.4% QoQ
|
+7.53% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.18%
-20.2% YoY
+40.9% QoQ
|
-0.56% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 8%
in Community
Why this stands out
Current:
103.92%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Community
Why this stands out
Current:
41.50%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (4)
Liquidity Overhang
risk
#38 of 268 · Bottom 14% 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:
17.77%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
103.92%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#83 of 152 · Bottom 54% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
81.61%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.42%
(Tier avg: 1.16%, National avg: 1.12%)
Non-Interest Income / Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.18%
(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
Non-Interest-Bearing Deposit Share
Current: 41.50% · Tier avg: 21.05%
92
92th pctile
Loan-to-Deposit Ratio
Current: 103.92% · Tier avg: 83.06%
88
88th pctile
Tier 1 Capital Ratio
Current: 17.77% · Tier avg: 10.24%
84
84th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
52
52th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.66%
50
50th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.50%
9
9th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
9
9th pctile
Efficiency Ratio
Current: 81.61% · Tier avg: 62.63%
9
9th pctile
Return on Assets
Current: 0.42% · Tier avg: 1.16%
Top Weaknesses
9
9th pctile
Return on Assets
Current: 0.42% · Tier avg: 1.16%
9
9th pctile
Efficiency Ratio
Current: 81.61% · Tier avg: 62.63%
9
9th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.50%
50
50th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
52
52th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.66%
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
84
84th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
88
88th pctile
Tier 1 Capital Ratio
Current: 17.77% · Tier avg: 10.24%
92
92th pctile
Loan-to-Deposit Ratio
Current: 103.92% · Tier avg: 83.06%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 41.50% · Tier avg: 21.05%