INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION
INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION is an FDIC-insured commercial bank headquartered in NEW YORK, NY, established in 1983. As of , the bank reported total assets of $2.9B and total deposits of $2.2B. Profitability stands at 0.62% ROA and 3.74% ROE, with a net interest margin of 2.97%. CET1 capital ratio: 17.06%, well above regulatory minimums. NPL ratio: 4.33% · Texas Ratio: 23.29%. Operates 14 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Industrial and Commercial Bank of China (usa), N.A. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 17.06% | 0.62% | 4.33% | 23.29% | 2.97% |
| 2025-09-30 | 16.63% | 0.46% | 4.61% | 25.37% | 3.07% |
| 2025-06-30 | 16.79% | 0.51% | 4.74% | 25.78% | 2.90% |
| 2025-03-31 | 17.23% | 0.49% | 4.43% | 23.55% | 2.92% |
| 2024-12-31 | 17.01% | 0.60% | 2.38% | 13.03% | 2.87% |
| 2024-09-30 | 16.64% | 0.59% | 2.32% | 12.89% | 3.02% |
| 2024-06-30 | 16.37% | 0.89% | 2.30% | 13.38% | 3.40% |
| 2024-03-31 | 16.55% | 0.75% | 2.41% | 13.51% | 3.33% |
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Frequently asked about INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION
What are Industrial and Commercial Bank of China (usa), N.A.'s total assets?
As of the Q4 2025 filing, Industrial and Commercial Bank of China (usa), N.A. reported total assets of $2.90 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Industrial and Commercial Bank of China (usa), N.A. headquartered?
Industrial and Commercial Bank of China (usa), N.A. is headquartered in NEW YORK, NY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Industrial and Commercial Bank of China (usa), N.A. founded?
Industrial and Commercial Bank of China (usa), N.A. was established in 1983, per the FDIC institution directory.
Is Industrial and Commercial Bank of China (usa), N.A. FDIC-insured?
Yes. Industrial and Commercial Bank of China (usa), N.A. is an FDIC-insured commercial bank (FDIC Certificate #24387). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Industrial and Commercial Bank of China (usa), N.A.?
Industrial and Commercial Bank of China (usa), N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Industrial and Commercial Bank of China (usa), N.A.'s CET1 capital ratio?
Industrial and Commercial Bank of China (usa), N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 17.06% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Industrial and Commercial Bank of China (usa), N.A. operate?
Industrial and Commercial Bank of China (usa), N.A. operates 14 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Industrial and Commercial Bank of China (usa), N.A.'s Texas Ratio?
Industrial and Commercial Bank of China (usa), N.A.'s Texas Ratio is 23.29% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.