FDIC Cert #21843 · New York, New York · Est. 1974

Mizuho Bank (USA) - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$5.5B
Total assets
A
Health grade · Excellent
1.36%
Return on assets
31.4%
Tier 1 capital

Data updated July 2026

The verdict

Mizuho Bank (USA) earns a PlainBankData health grade of A (80/100), with well-capitalized at 31.39% Tier 1, profitable at 1.36% ROA, 83% efficiency ratio.

#271
largest of 4,313 FDIC banks by assets
94th
percentile by asset size, nationally
31.39%
Tier 1 ratio - above the 10% well-capitalized line
67th
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 21843 · NY A · 80/100

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

  • GRADE-A A (80/100)
  • MID-PACK #1920/4307
  • PHOTO-FINISH Rabun County Bank · GA
  • TIER1-WELL 31.4% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.36% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: Rabun County Bank, GA (±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 Mizuho Bank (USA)

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

Morgan Stanley Bank,… · UT ·…100/100American State Bank… · MN · …80/100Bank of the Sierra · CA · ne…80/100Community Bank of Ma… · MO ·…80/100Mizuho Bank (USA) · NY · thi…80/100Rabun County Bank · GA · near80/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Mizuho Bank (USA) · July 2026

What Mizuho Bank (USA)'s Call Report plate shows

Mizuho Bank (USA) (FDIC Cert #21843) carries a PlainBankData health grade of A at 80/100, 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 #1,920 of 4,307. Tier 1 capital prints at 31.39%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.36%. Balance-sheet scale is $5.5B, 271st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Rabun County Bank (GA), 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 Mizuho Bank (USA)

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

Mizuho Bank (USA)'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; Mizuho Bank (USA) 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 Mizuho Bank (USA)'s 80/100 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 avg77/10080/100
Mizuho Bank (USA)'s composite health score
Tier 1 Capital Ratio (31.39%) 40/40
Return on Assets (ROA) (1.36%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (83.24%) 0/15

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

Balance sheet at a glance

Total Assets

$5.5B

Total balance-sheet footings

Total Deposits

$4.0B

Customer-funded liabilities

Net Loans

$1.8B

Outstanding loan book

Net Income

$94M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% 35% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 29.99% 31.39% 32.79%
Basel III capital ratios - Mizuho Bank (USA)

Where Mizuho Bank (USA) ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Mizuho Bank (USA)'s score of 80/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

80 Top 45% higher than 55% 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. Mizuho Bank (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

Mizuho Bank (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). Mizuho Bank (USA)'s $5.5B falls in the highlighted band.

Safety ratios for Mizuho Bank (USA)

Tier 1 capital ratio
Well-capitalized 10%

31.39% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
31.39%
Texas Ratio
0.00%
Equity Capital
$1.3B

What these ratios mean →

Earnings posture at Mizuho Bank (USA)

Return on Assets (ROA)
67th percentile nationally
1.36%
Return on Equity (ROE)
7.26%
Efficiency Ratio
83.24%

What these mean →

Income & expense at Mizuho Bank (USA)

$306M
Interest Income
$598M
Non-Interest Income
$613M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Mizuho Bank (USA) reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Mizuho Bank (USA) 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.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($5.5B here), outside New York so the neighborhood is not state containment.

Independent Bank $5.5B · MI Banesco USA $5.5B · FL Bradesco Bank $5.5B · FL InterBank $5.5B · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Mizuho Bank (USA) (FDIC Cert #21843) - 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.

Mizuho Bank (USA) 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%
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%