Total Assets
$2.9B
Total balance-sheet footings
FDIC Cert #24387 · New York, New York · Est. 1983
Industrial and Commercial Bank of China USA, National Association - FDIC Bank Health Profile
A community-scale look at Industrial and Commercial Bank of China USA, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.9B
- Total assets
- B
- Health grade · Good
- 0.52%
- Return on assets
- 17.1%
- Tier 1 capital
Data updated July 2026
The verdict
Industrial and Commercial Bank of China USA, National Association earns a PlainBankData health grade of B (68/100), with well-capitalized at 17.06% Tier 1, 0.52% ROA, 76% efficiency ratio.
- #440
- largest of 4,313 FDIC banks by assets
- 90th
- percentile by asset size, nationally
- 17.06%
- Tier 1 ratio - above the 10% well-capitalized line
- 16th
- 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.
How Industrial and Commercial Bank of China USA, National Association's 68/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Industrial and Commercial Bank of China USA, National Association's composite health score
Tier 1 Capital Ratio (17.06%) 40/40
Return on Assets (ROA) (0.52%) 14/25
Texas Ratio (23.29%) 10/20
Efficiency Ratio (75.74%) 4/15
68 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.2B
Customer-funded liabilities
Net Loans
$2.7B
Outstanding loan book
Net Income
$15M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Industrial and Commercial Bank of China USA, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Industrial and Commercial Bank of China USA, National Association's score of 68/100 falls in the highlighted band.
Industrial and Commercial Bank of China USA, National Association'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). Industrial and Commercial Bank of China USA, National Association's $2.9B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.06% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.06%
Texas Ratio
23.29%
Equity Capital
$489M
Profitability metrics
Return on Assets (ROA)
16th percentile nationally
0.52%
Return on Equity (ROE)
3.11%
Efficiency Ratio
75.74%
What the numbers say about Industrial and Commercial Bank of China USA, National Association
Industrial and Commercial Bank of China USA, National Association is an FDIC-insured institution (Certificate #24387) headquartered in New York, New York, established in 1983. It holds $2.9B in total assets - 440th of 4,313 FDIC-insured banks, $2.2B in customer deposits, and $2.7B in net loans. Capital-wise, the Tier 1 ratio sits at 17.06%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 23.29%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (68 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Industrial and Commercial Bank of China USA, National Association sits 35th of 120 banks headquartered in New York by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$156M
Interest Income
$3M
Non-Interest Income
$65M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Industrial and Commercial Bank of China USA, National Association reports a Texas Ratio of 23.29% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
23.29% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Industrial and Commercial Bank of China USA, National Association (FDIC Cert #24387) - 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.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
Frequently asked questions
What is Industrial and Commercial Bank of China USA, National Association's health grade?▼
Industrial and Commercial Bank of China USA, National Association receives a health grade of B (68/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Industrial and Commercial Bank of China USA, National Association?▼
Industrial and Commercial Bank of China USA, National Association holds $2.9B in total assets and $2.2B in deposits, ranking 440th of 4,313 FDIC-insured banks by asset size. It is headquartered in New York, New York.
Is my money safe at Industrial and Commercial Bank of China USA, National Association?▼
Yes, deposits at Industrial and Commercial Bank of China USA, National Association (Certificate #24387) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Industrial and Commercial Bank of China USA, National Association's Tier 1 Capital Ratio?▼
Industrial and Commercial Bank of China USA, National Association has a Tier 1 Capital Ratio of 17.06%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Industrial and Commercial Bank of China USA, National Association?▼
Industrial and Commercial Bank of China USA, National Association has a Texas Ratio of 23.29%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Industrial and Commercial Bank of China USA, National Association?▼
Industrial and Commercial Bank of China USA, National Association has an Efficiency Ratio of 75.74%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Industrial and Commercial Bank of China USA, National Association's profile as a depositor or analyst.
- Industrial and Commercial Bank of China USA, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Industrial and Commercial Bank of China USA, National Association against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.