BlastPoint's Banking Scorecard
Bank of China
Large
Specialty: Other
NY
FDIC cert 33653
New York, NY
69
banks in Large tier nationally
4 in NY
View Large leaderboard (NY) →
Bank of China has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Nonperforming Asset Ratio 0.55% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 1% in Large
- - Return on Assets 1.19% below tier
- - Net Interest Margin 3.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$61.9B
+9.8% YoY
+53.6% QoQ
|
-$13.0B |
$74.9B
-4.4% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$15.2B
-3.8% YoY
-1.7% QoQ
|
-$31.2B |
$46.4B
-2.1% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$23.1B
+27.1% YoY
+7.3% QoQ
|
-$37.3B |
$60.5B
-4.5% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? | 0.00% | -1.19% |
1.19%
+17.8% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? | 0.00% | -3.46% |
3.46%
+13.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? | 0.00% | -55.03% |
55.03%
-2.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? |
1.89%
-30.0% YoY
-13.3% QoQ
|
+1.02% |
0.88%
-0.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
65.77%
-24.3% YoY
-8.5% QoQ
|
-15.95% |
81.72%
+3.9% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? | - | - |
19.97%
+0.5% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
- |
| Nonperforming Asset Ratio ? | 0.00% | -0.55% |
0.55%
+9.0% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -13.33% |
13.33%
-0.7% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Bottom 1% in tier |
| Non-Interest Income / Assets ? | - | - |
1.09%
+2.4% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (1)
Nonperforming Asset Ratio
metric
Top 1%
in Large
Why this stands out
Current:
0.00%
(Tier avg: 0.55%, National avg: 0.48%)
Concerns (3)
Capital Thin
risk
#1 of 18 · Bottom 1% in Large
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: 13.33%, National: 9.75%)
18 of 18 Large banks match
·
505 nationally
→ Stable
+11 banks QoQ
Return on Assets
metric
Bottom 3%
in Large
Why this stands out
Current:
0.00%
(Tier avg: 1.19%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Large
Why this stands out
Current:
0.00%
(Tier avg: 3.46%, National avg: 3.75%)
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
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.55%
84
84th pctile
Loan-to-Deposit Ratio
Current: 65.77% · Tier avg: 81.72%
59
59th pctile
Total Assets
Current: $61.9B · Tier avg: $74.9B
13
13th pctile
Total Deposits
Current: $23.1B · Tier avg: $60.5B
12
12th pctile
Delinquency Rate
Current: 1.89% · Tier avg: 0.88%
9
9th pctile
Total Loans
Current: $15.2B · Tier avg: $46.4B
3
3th pctile
Return on Assets
Current: 0.00% · Tier avg: 1.19%
0
0th pctile
Net Interest Margin
Current: 0.00% · Tier avg: 3.46%
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.33%
Top Weaknesses
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.33%
0
0th pctile
Net Interest Margin
Current: 0.00% · Tier avg: 3.46%
3
3th pctile
Return on Assets
Current: 0.00% · Tier avg: 1.19%
9
9th pctile
Total Loans
Current: $15.2B · Tier avg: $46.4B
12
12th pctile
Delinquency Rate
Current: 1.89% · Tier avg: 0.88%
13
13th pctile
Total Deposits
Current: $23.1B · Tier avg: $60.5B
59
59th pctile
Total Assets
Current: $61.9B · Tier avg: $74.9B
84
84th pctile
Loan-to-Deposit Ratio
Current: 65.77% · Tier avg: 81.72%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.55%