FDIC Cert #19416 · Los Angeles, California · Est. 1965

CTBC Bank Corp. (USA) - FDIC Bank Health Profile

A community-scale look at CTBC Bank Corp. (USA)'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$5.6B
Total assets
A
Health grade · Excellent
0.83%
Return on assets
13.9%
Tier 1 capital

Data updated July 2026

The verdict

CTBC Bank Corp. (USA) earns a PlainBankData health grade of A (81/100), with well-capitalized at 13.91% Tier 1, 0.83% ROA, efficient (58% cost ratio).

#267
largest of 4,313 FDIC banks by assets
94th
percentile by asset size, nationally
13.91%
Tier 1 ratio - above the 10% well-capitalized line
31st
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 19416 · CA A · 81/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (81/100)
  • MID-PACK #1856/4307
  • PHOTO-FINISH Peoples Bank of Kank… · IL
  • TIER1-WELL 13.9% Tier 1
  • TEXAS-CLEAN 3.8% Texas
  • ROA-PAR 0.83% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: Peoples Bank of Kankakee County, IL (±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 CTBC Bank Corp. (USA)

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

Morgan Stanley Bank,… · UT ·…100/100CTBC Bank Corp. (USA) · CA ·…81/100Patriots Bank · KS · near81/100Peoples Bank of Kank… · IL ·…81/100Regional Missouri Bank · MO …81/100UBank · TX · near81/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around CTBC Bank Corp. (USA) · July 2026

Call Report read for CTBC Bank Corp. (USA) in a high-failure state

CTBC Bank Corp. (USA) (FDIC Cert #19416) carries a PlainBankData health grade of A at 81/100, 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 #1,856 of 4,307. Tier 1 capital prints at 13.91%, clearing the 10% well-capitalized line. The Texas Ratio is 3.83%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.83%. Balance-sheet scale is $5.6B, 267th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Peoples Bank of Kankakee County (IL), 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 CTBC Bank Corp. (USA)

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

CTBC Bank Corp. (USA) sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about CTBC Bank Corp. (USA)'s current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

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

How CTBC Bank Corp. (USA)'s 81/100 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 avg77/10081/100
CTBC Bank Corp. (USA)'s composite health score
Tier 1 Capital Ratio (13.91%) 35/40
Return on Assets (ROA) (0.83%) 14/25
Texas Ratio (3.83%) 20/20
Efficiency Ratio (58.45%) 12/15

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

Balance sheet at a glance

Total Assets

$5.6B

Total balance-sheet footings

Total Deposits

$4.8B

Customer-funded liabilities

Net Loans

$4.3B

Outstanding loan book

Net Income

$44M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.51% 13.91% 15.31%
Basel III capital ratios - CTBC Bank Corp. (USA)

Where CTBC Bank Corp. (USA) ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. CTBC Bank Corp. (USA)'s score of 81/100 falls in the highlighted band.

CTBC Bank Corp. (USA): health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

81 Top 43% higher than 57% 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%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. CTBC Bank Corp. (USA) 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

CTBC Bank Corp. (USA)'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). CTBC Bank Corp. (USA)'s $5.6B falls in the highlighted band.

Capital & credit buffers at CTBC Bank Corp. (USA)

Tier 1 capital ratio
Well-capitalized 10%

13.91% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.91%
Texas Ratio
3.83%
Equity Capital
$760M

What these ratios mean →

Profitability metrics: CTBC Bank Corp. (USA)

Return on Assets (ROA)
31st percentile nationally
0.83%
Return on Equity (ROE)
6.06%
Efficiency Ratio
58.45%

What these mean →

Income & expense at CTBC Bank Corp. (USA)

$296M
Interest Income
$17M
Non-Interest Income
$99M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. CTBC Bank Corp. (USA) reports a Texas Ratio of 3.83% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.83% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View CTBC Bank Corp. (USA) on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($5.6B here), outside California so the neighborhood is not state containment.

The Cape Cod Five Cents Savings Bank $5.6B · MA Great Southern Bank $5.6B · MO First Internet Bank of Indiana $5.5B · IN Orrstown Bank $5.5B · PA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) CTBC Bank Corp. (USA) (FDIC Cert #19416) - 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.

CTBC Bank Corp. (USA) Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
City National BankLos Angeles $98.4B A 0.95%
East West BankPasadena $79.7B A 1.72%
Banc of CaliforniaLos Angeles $34.7B B 0.78%
Axos BankSan Diego $27.2B A 1.77%
Cathay BankLos Angeles $24.2B A 1.38%
Mechanics BankWalnut Creek $22.4B A 1.44%
Bank of HopeLos Angeles $18.5B B 0.42%
Citizens Business Bank, National AssociationOntario $15.6B A 1.39%