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Industrial and Commercial Bank of China USA, National Association
New York, NY·FDIC Cert #24387·Charter: OCC·Est. 19830214.0·HC: CHINA INVESTMENT CORP
Total Assets
$2.9B
Q4 2025
Return on Assets
0.52%
+0.04%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
75.74%
Peer avg: 58.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
40
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.52%+0.04
ROE
3.11%+0.21
Efficiency
75.74%-0.62
Equity/Assets
0.00%+0.00
NPL Ratio
4.37%+0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
122.96%-2.61
Charge-offs
0.03%+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 | 0.8 | 0.8 | 0.7 | 0.7 | 0.5 | 0.5 | 0.5 | 0.5 |
| ROE | 4.8 | 5.2 | 4.7 | 4.4 | 2.9 | 3.0 | 2.9 | 3.1 |
| Efficiency | 65.9 | 63.9 | 66.7 | 69.0 | 75.9 | 75.4 | 76.4 | 75.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.8 | 1.7 | 1.7 | 1.8 | 4.1 | 4.4 | 4.3 | 4.4 |
| Charge-offs | 0.6 | 0.3 | 0.2 | 0.2 | 0.1 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 127.0 | 133.8 | 123.9 | 119.9 | 125.7 | 119.8 | 125.6 | 123.0 |
Balance Sheet
Total Assets$2.9B
Total Deposits$2.2B
Total Loans$2.7B
Total Equity$489.0M
Profitability
ROA0.52%
ROE3.11%
Efficiency Ratio75.74%
Net Income$15.0M
Risk & Asset Quality
NPL Ratio4.37%
Charge-off Rate0.03%
Loan/Deposit122.96%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans