FDIC Cert #33653 · New York, New York · Est. 1912

Bank of China - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$61.9B
Total assets
F
Health grade · At Risk
0.00%
Return on assets
0.0%
Tier 1 capital

Data updated July 2026

The verdict

Bank of China earns a PlainBankData health grade of F (22/100), with 0.00% Tier 1 capital, 0.00% ROA, efficient (0% cost ratio).

#45
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
0.00%
Tier 1 ratio - below the 10% well-capitalized line
5th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 33653 · NY F · 22/100

GRADE-F · BOTTOM-DECILE · PHOTO-FINISH · TIER1-UNDER · TEXAS-UNK · ROA-THIN · SIZE-LARGE · BOOK-RICH

  • GRADE-F F (22/100)
  • BOTTOM-DECILE #4287/4307
  • PHOTO-FINISH Mizrahi Tefahot Bank… · CA
  • TIER1-UNDER 0.0% Tier 1
  • TEXAS-UNK Texas blank
  • ROA-THIN 0.00% ROA
  • SIZE-LARGE $10–100B
  • BOOK-RICH 7/9 fields

Nearest health peer outside New York: Mizrahi Tefahot Bank, Ltd., CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of China

Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of China · NY · this ba…22/100Mizrahi Tefahot Bank… · CA ·…22/100State Bank of India · IL · n…22/100Tri-Valley Bank · IA · near22/100The Peoples Bank · MD · near20/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of China · July 2026

What Bank of China's Call Report plate shows

Bank of China (FDIC Cert #33653) carries a PlainBankData health grade of F at 22/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,287 of 4,307. Tier 1 capital prints at 0.00%, missing the 10% well-capitalized line. Return on assets is 0.00%. Balance-sheet scale is $61.9B, 45th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Mizrahi Tefahot Bank, Ltd. (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of China

6 FAILURE resolutions in New York since 2000 (5 since 2008)

Bank of China's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Bank of China remains an active FDIC-insured reporter.

  • SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
  • USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
  • THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.

How Bank of China's 22/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10022/100
Bank of China's composite health score
Tier 1 Capital Ratio (0.00%) 0/40
Return on Assets (ROA) (0.00%) 7/25
Texas Ratio (N/A) 0/20
Efficiency Ratio (0.00%) 15/15

22 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$61.9B

Total balance-sheet footings

Total Deposits

$23.1B

Customer-funded liabilities

Net Loans

$15.2B

Outstanding loan book

Net Income

$0K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 0.3% 0.6% 0.9% 1.2% 1.5% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 0% 0% 1.4%
Basel III capital ratios - Bank of China

Where Bank of China ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of China's score of 22/100 falls in the highlighted band.

Bank of China: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

22 0th percentile higher than 0% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). This entry sits in this band. 30–40: 36 FDIC-insured banks (1%). Above this entry. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of China 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of China's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of China's $61.9B falls in the highlighted band.

Safety ratios for Bank of China

Tier 1 capital ratio
Well-capitalized 10%

0.00% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
0.00%
Texas Ratio
-
Equity Capital
-

What these ratios mean →

Profitability metrics: Bank of China

Return on Assets (ROA)
5th percentile nationally
0.00%
Return on Equity (ROE)
0.00%
Efficiency Ratio
0.00%

What these mean →

What to watch at Bank of China

Bank of China's grade of F reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 0.00% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Bank of China up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Bank of China on FDIC BankFind →

Top banks in New York by total assets

Largest banks headquartered in New York
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

Top 5 banks in New York ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Bank of China by assets

Measured strictly by total assets rather than geography, Bank of China's closest national peers include CIBC Bank USA, Banco Popular de Puerto Rico, Valley National Bank, Pinnacle Bank, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within New York. Averaged across this asset-matched cohort, return on assets runs 1.21% (Bank of China is below that at 0.00%), the efficiency ratio averages 51.13% (Bank of China runs leaner at 0.00%), and Tier 1 capital averages 13.54% (Bank of China holds less at 0.00%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $61.9B in assets, Bank of China has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Bank of China nationally by total assets
  1. 1
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  2. 2
    Banco Popular de Puerto Rico $59.8B

    San Juan, PR · Grade A

  3. 3
    Valley National Bank $64.1B

    Passaic, NJ · Grade B

  4. 4
    Pinnacle Bank $57.6B

    Nashville, TN · Grade A

  5. 5
    Columbia Bank $66.8B

    Roseburg, OR · Grade A

  6. 6
    SouthState Bank $67.2B

    Winter Haven, FL · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Bank of China (this bank) NY $61.9B 0.00% 0.00% 0.00%
CIBC Bank USA IL $64.0B 1.47% 37.10% 17.22%
Banco Popular de Puerto Rico PR $59.8B 1.17% 59.89% 15.59%
Valley National Bank NJ $64.1B 0.99% 53.71% 12.46%
Pinnacle Bank TN $57.6B 1.25% 53.06% 11.13%
Columbia Bank OR $66.8B 1.00% 55.35% 12.32%
SouthState Bank, National Association FL $67.2B 1.40% 47.64% 12.54%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($61.9B here), outside New York so the neighborhood is not state containment.

CIBC Bank USA $64.0B · IL Banco Popular de Puerto Rico $59.8B · PR Valley National Bank $64.1B · NJ Pinnacle Bank $57.6B · TN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of China (FDIC Cert #33653) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of China Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New York

All New York banks →
BankAssetsGradeROA
Goldman Sachs Bank USANew York $645.0B A 1.42%
The Bank of New York MellonNew York $381.0B A 1.31%
Morgan Stanley Private Bank, National AssociationPurchase $254.7B A 1.10%
Manufacturers and Traders Trust CompanyBuffalo $212.9B A 1.40%
Flagstar Bank, National AssociationHicksville $87.5B D -0.14%
Deutsche Bank Trust Company AmericasNew York $43.0B A 1.86%
State Bank of IndiaNew York $22.6B F 0.00%
Apple BankNew York $19.2B C 0.34%