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.
FDIC Call Report plate
Cert 24387 · NY B · 68/100
GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-REGIONAL · BOOK-FULL
- GRADE-B B (68/100)
- MID-PACK #3161/4307
- PHOTO-FINISH Progressive National… · LA
- TIER1-WELL 17.1% Tier 1
- TEXAS-HEALTHY 23.3% Texas
- ROA-THIN 0.52% ROA
- SIZE-REGIONAL $1–10B
- BOOK-FULL 9/9 fields
Nearest health peer outside New York: Progressive National Bank, LA (±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 Industrial and Commercial Bank of Chi…
Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.
What Industrial and Commercial Bank of Chi…'s Call Report plate shows
Industrial and Commercial Bank of China USA, National Association (FDIC Cert #24387) carries a PlainBankData health grade of B at 68/100, 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 #3,161 of 4,307. Tier 1 capital prints at 17.06%, clearing the 10% well-capitalized line. The Texas Ratio is 23.29%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.52%. Balance-sheet scale is $2.9B, 440th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Progressive National Bank (LA), 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 Industrial and Commercial Bank of Chi…
6 FAILURE resolutions in New York since 2000 (5 since 2008)
Industrial and Commercial Bank of China USA, National Association'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; Industrial and Commercial Bank of China USA, National Association 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 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.
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: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
68 27th percentile higher than 27% of 4,307 FDIC-insured banks
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
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 ratios for Industrial and Commercial Bank of Chi…
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: Industrial and Commercial Bank of Chi…
Return on Assets (ROA)
16th percentile nationally
0.52%
Return on Equity (ROE)
3.11%
Efficiency Ratio
75.74%
Income & expense at Industrial and Commercial Bank of Chi…
$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
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($2.9B here), outside New York so the neighborhood is not state containment.
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.
Industrial and Commercial Bank of China USA, National Association 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 →| 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% |