Shinhan Bank America: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Shinhan Bank America, based in New York, New York, reported $2.2 billion in assets at June 30, 2026, up 14.8% from a year earlier. It returns 5.3% a year on shareholders' equity, about half the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. It also holds about half of its deposits (52%) above the FDIC insurance limit, higher than about 9 in 10 banks its size (median 30.9%).
Earnings jumped: net income for the quarter was $3.4 million, 73% above the same quarter a year earlier. Over the same year, loans grew 13.4% and deposits grew 18.8%. Costs are the weak spot: it spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Shinhan Bank America reported a CET1 capital ratio of 17.53%, a return on assets of 0.67%, a nonperforming-loan ratio of 0.57% and a Texas ratio of 3.28%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 475 Park Ave S, New York, NY 10016
- County
- New York
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- October 18, 1990
- Former names
- CHB America Bank (2003-2006); Chohung Bank of New York (1999-2003)
- Offices
- 14 domestic
- Employees (FTE)
- 256
- Domestic deposits
- $1.92B
- Allowance for credit losses
- $13.3M
- Net charge-offs (YTD)
- -$98K
- Average total assets
- $2.06B
- Average total loans
- $1.77B
- Average interest-bearing deposits
- $966.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 18, 1990
- FDIC Cert
- 33188
- Fed RSSD
- 1494914
- SEC CIK
- 1263043 → filed by SHINHAN FINANCIAL GROUP CO., LTD.
- Website
- www.shbamerica.com →
- Parent Holding Company
- SHINHAN BANK (RSSD 1242825)
- Ultimate Parent
- SHINHAN FINANCIAL GROUP CO., LTD. (RSSD 3107964)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Shinhan Bank America terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Shinhan Bank America, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Shinhan Bank America rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Shinhan Bank America: Uninsured deposits.
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 |
|---|---|---|---|---|---|
| Q2 2026 | 17.53% | 0.67% | 0.57% | 3.28% | 3.73% |
| Q1 2026 | 17.77% | 0.57% | 0.55% | 3.57% | 3.70% |
| Q4 2025 | 17.77% | 0.58% | 0.44% | 2.78% | 3.64% |
| Q3 2025 | 18.02% | 0.63% | 0.45% | 2.83% | 3.71% |
| Q2 2025 | 18.19% | 0.42% | 0.47% | 2.90% | 3.50% |
| Q1 2025 | 14.62% | -0.04% | 0.73% | 3.40% | 3.13% |
| Q4 2024 | 15.24% | 0.15% | 0.50% | 3.64% | 3.09% |
| Q3 2024 | 15.26% | 0.15% | 0.52% | 3.73% | 3.32% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 14 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Duluth Branch | Duluth , GA | 30096 | $447.6M |
| Dallas Branch | Dallas , TX | 75229 | $250.7M |
| Shinhan Bank America (main office) | New York , NY | 10016 | $250.6M |
| California Regional OfficeOlympic Branch | Los Angeles , CA | 90006 | $163.0M |
| Palisades Park Branch | Palisades Park , NJ | 07650 | $135.4M |
| San Diego Branch | San Diego , CA | 92111 | $103.2M |
| Irvine Branch | Irvine , CA | 92606 | $89.6M |
| Buena Park Branch | Buena Park , CA | 90621 | $87.6M |
| Fort Lee Branch | Fort Lee , NJ | 07024 | $79.9M |
| Manhattan Branch | New York , NY | 10016 | $78.9M |
| Bayside Branch | Bayside , NY | 11361 | $75.7M |
| Alpharetta Branch | Alpharetta , GA | 30022 | $56.1M |
| Northern Branch | Flushing , NY | 11354 | $54.2M |
| Torrance Branch | Torrance , CA | 90501 | $47.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 2, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2007 | Structure Change | Acquired North Atlanta National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 24, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 24, 2003 | Structure Change | Acquired California Chohung Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
What the public regulatory sources show for Shinhan Bank America, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 104 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 23 loans, $20.7M approved, $901K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Shinhan Bank America
What are Shinhan Bank America's total assets?
As of the Q2 2026 filing, Shinhan Bank America reported total assets of $2.23 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Shinhan Bank America headquartered?
Shinhan Bank America is headquartered in New York, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Shinhan Bank America founded?
Shinhan Bank America was established in 1990, per the FDIC institution directory.
Is Shinhan Bank America FDIC-insured?
Yes. Shinhan Bank America is an FDIC-insured commercial bank (FDIC Certificate #33188). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Shinhan Bank America?
Shinhan Bank America's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Shinhan Bank America's CET1 capital ratio?
Shinhan Bank America reported a Common Equity Tier 1 (CET1) capital ratio of 17.53% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Shinhan Bank America operate?
Shinhan Bank America operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Shinhan Bank America's Texas Ratio?
Shinhan Bank America's Texas Ratio is 3.28% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Shinhan Bank America previously called?
The charter now named Shinhan Bank America has also operated as CHB America Bank (2003-2006), Chohung Bank of New York (1999-2003), per FDIC structure-change records.
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