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Mizuho Bank (USA)
New York, NY·FDIC Cert #21843·Charter: STATE·Est. 19741129.0·HC: MIZUHO FINANCIAL GROUP INC
Total Assets
$5.5B
Q4 2025
Return on Assets
1.36%
+0.19%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
83.24%
Peer avg: 57.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.36%+0.19
ROE
7.26%+0.62
Efficiency
83.24%-2.13
Equity/Assets
0.00%+0.00
NPL Ratio
0.00%+0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
44.88%-2.02
Charge-offs
0.00%+0.00
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 | 1.8 | 1.9 | 1.8 | 1.7 | 1.1 | 1.1 | 1.2 | 1.4 |
| ROE | 10.7 | 10.5 | 10.0 | 9.6 | 6.9 | 6.3 | 6.6 | 7.3 |
| Efficiency | 76.5 | 75.9 | 76.4 | 75.5 | 83.9 | 85.2 | 85.4 | 83.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | — | — | — | — | — | — | — | — |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 62.5 | 60.6 | 50.3 | 36.0 | 36.2 | 47.1 | 46.9 | 44.9 |
Balance Sheet
Total Assets$5.5B
Total Deposits$4.0B
Total Loans$1.8B
Total Equity$1.3B
Profitability
ROA1.36%
ROE7.26%
Efficiency Ratio83.24%
Net Income$93.9M
Risk & Asset Quality
NPL RatioN/A
Charge-off Rate0.00%
Loan/Deposit44.88%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans