← Back to Institutions
Woori America Bank
New York, NY·FDIC Cert #24920·Charter: STATE·Est. 19840127.0·HC: WOORI FINANCIAL GROUP INC
Total Assets
$4.0B
Q4 2025
Return on Assets
0.95%
+0.06%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
55.17%
Peer avg: 57.5%
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
0.95%+0.06
ROE
7.34%+0.42
Efficiency
55.17%-1.85
Equity/Assets
0.00%+0.00
NPL Ratio
0.12%-0.17
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
88.62%-1.66
Charge-offs
0.01%+0.01
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 | 0.6 | 0.7 | 0.7 | 0.8 | 0.8 | 0.9 | 0.9 | 0.9 |
| ROE | 4.3 | 5.1 | 5.7 | 5.8 | 6.1 | 7.0 | 6.9 | 7.3 |
| Efficiency | 68.4 | 63.8 | 61.3 | 60.8 | 60.5 | 56.4 | 57.0 | 55.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.2 | 0.2 | 0.2 | 0.2 | 0.3 | 0.3 | 0.1 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | -0.0 | -0.0 | -0.0 | 0.0 |
| Loan/Deposit | 95.8 | 92.6 | 84.5 | 89.3 | 95.8 | 92.2 | 90.3 | 88.6 |
Balance Sheet
Total Assets$4.0B
Total Deposits$3.4B
Total Loans$3.0B
Total Equity$523.1M
Profitability
ROA0.95%
ROE7.34%
Efficiency Ratio55.17%
Net Income$36.9M
Risk & Asset Quality
NPL Ratio0.12%
Charge-off Rate0.01%
Loan/Deposit88.62%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans