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CTBC Bank Corp. (USA)
Los Angeles, CA·FDIC Cert #19416·Charter: STATE·Est. 19650427.0·HC: CTBC FINANCIAL HOLDING CO LTD
Total Assets
$5.6B
Q4 2025
Return on Assets
0.83%
+0.08%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
58.45%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.83%+0.08
ROE
6.06%+0.56
Efficiency
58.45%-0.06
Equity/Assets
0.00%+0.00
NPL Ratio
0.73%+0.45
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
89.37%-2.02
Charge-offs
0.03%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.7 | 0.7 | 0.8 | 0.7 | 0.7 | 0.8 | 0.8 |
| ROE | 5.5 | 5.9 | 5.6 | 5.8 | 5.3 | 4.9 | 5.5 | 6.1 |
| Efficiency | 65.2 | 64.9 | 64.4 | 63.5 | 62.0 | 60.2 | 58.5 | 58.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.5 | 0.3 | 0.3 | 0.3 | 0.2 | 0.3 | 0.7 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 97.9 | 94.9 | 95.3 | 93.3 | 95.3 | 94.2 | 91.4 | 89.4 |
Balance Sheet
Total Assets$5.6B
Total Deposits$4.8B
Total Loans$4.3B
Total Equity$760.2M
Profitability
ROA0.83%
ROE6.06%
Efficiency Ratio58.45%
Net Income$44.5M
Risk & Asset Quality
NPL Ratio0.73%
Charge-off Rate0.03%
Loan/Deposit89.37%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans