Woori America Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Woori America Bank. The New York, New York bank had $4.1 billion in assets at June 30, 2026, up 6.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.92% of loans from 0.30% a year earlier. It keeps 2.80 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also holds about two-thirds of its deposits (69%) above the FDIC insurance limit, about double the median of 30.9% for banks its size.
Delinquency has appeared in its $1.2 billion non-owner-occupied commercial real estate book: 6.22% of those loans are past due or on nonaccrual, against almost none a year earlier. Deposits are coming in faster than loans: over the year loans rose 1.0% and deposits rose 7.6%. Credit is the area to watch: it carries problem assets equal to 10.2% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Woori America Bank reported a CET1 capital ratio of 18.34%, a return on assets of 1.02%, a nonperforming-loan ratio of 1.92% and a Texas ratio of 10.16%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 330 5th Ave, New York, NY 10001
- 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 051
- Established
- January 27, 1984
- Former names
- Hanvit America Bank (1999-2002)
- Offices
- 22 domestic
- Employees (FTE)
- 288
- Domestic deposits
- $3.53B
- Allowance for credit losses
- $50.3M
- Net charge-offs (YTD)
- $273K
- Average total assets
- $4.22B
- Average total loans
- $3.06B
- Average interest-bearing deposits
- $3.34B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 27, 1984
- FDIC Cert
- 24920
- Fed RSSD
- 384018
- SEC CIK
- 1264136 → filed by WOORI FINANCIAL GROUP INC.
- Website
- www.wooriamericabank.com →
- Parent Holding Company
- WOORI BANK (RSSD 1242834)
- Ultimate Parent
- WOORI FINANCIAL GROUP INC. (RSSD 5309306)
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.
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 Woori America Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Woori America Bank, 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.
Woori America Bank 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 Woori America Bank: 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 | 18.34% | 1.02% | 1.92% | 10.16% | 2.80% |
| Q1 2026 | 18.61% | 0.38% | 0.79% | 4.19% | 2.86% |
| Q4 2025 | 18.35% | 1.06% | 0.12% | 0.65% | 2.98% |
| Q3 2025 | 17.34% | 0.91% | 0.28% | 1.63% | 2.92% |
| Q2 2025 | 17.12% | 1.01% | 0.30% | 1.69% | 2.88% |
| Q1 2025 | 16.71% | 0.80% | 0.19% | 1.12% | 2.78% |
| Q4 2024 | 16.97% | 0.77% | 0.21% | 1.22% | 2.66% |
| Q3 2024 | 16.79% | 0.84% | 0.23% | 1.31% | 2.60% |
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 22 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Woori America Bank (main office) | New York , NY | 10001 | $1.08B |
| Fort Lee Branch | Fort Lee , NJ | 07024 | $426.8M |
| Duluth Branch Office | Duluth , GA | 30096 | $199.0M |
| Annandale Branch | Annandale , VA | 22003 | $183.0M |
| Olympic Branch | Los Angeles , CA | 90019 | $169.2M |
| Elkins Park Branch | Elkins Park , PA | 19027 | $162.5M |
| Centreville Branch | Centreville , VA | 20121 | $154.6M |
| Flushing Branch | New York City , NY | 11354 | $128.9M |
| Palisades Park Branch | Palisades Park , NJ | 07650 | $126.3M |
| Woodside Branch | Woodside , NY | 11377 | $122.3M |
| Buena Park Branch Office | Buena Park , CA | 90621 | $120.2M |
| Bayside Branch | Bayside , NY | 11361 | $101.1M |
| Closter Branch | Closter , NJ | 07624 | $84.8M |
| Dallas Branch | Lewisville , TX | 75067 | $79.9M |
| Ellicott City Branch Office | Ellicott City , MD | 21042 | $77.4M |
| Ridgefield Branch | Ridgefield , NJ | 07657 | $74.8M |
| Irvine Branch | Irvine , CA | 92604 | $72.7M |
| Fullerton Branch | Buena Park , CA | 90621 | $42.8M |
| Northern Branch | Flushing , NY | 11358 | $40.2M |
| Torrance Branch | Torrance , CA | 90501 | $33.5M |
| Wilshire Branch | Los Angeles , CA | 90010 | $33.4M |
| Austin Branch | Austin , TX | 78717 | $17.7M |
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 |
|---|---|---|---|
| December 5, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 12, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 12, 2003 | Structure Change | Acquired Panasia Bank, National Association 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 3 events.
Regulatory record
What the public regulatory sources show for Woori America Bank, 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 65 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 592 applications, 401 loans originated, $236.6M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 85 loans, $67.4M approved, $793K 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 Woori America Bank
What are Woori America Bank's total assets?
As of the Q2 2026 filing, Woori America Bank reported total assets of $4.12 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Woori America Bank headquartered?
Woori America Bank is headquartered in New York, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Woori America Bank founded?
Woori America Bank was established in 1984, per the FDIC institution directory.
Is Woori America Bank FDIC-insured?
Yes. Woori America Bank is an FDIC-insured commercial bank (FDIC Certificate #24920). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Woori America Bank?
Woori America Bank'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 Woori America Bank's CET1 capital ratio?
Woori America Bank reported a Common Equity Tier 1 (CET1) capital ratio of 18.34% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Woori America Bank operate?
Woori America Bank operates 22 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Woori America Bank's Texas Ratio?
Woori America Bank's Texas Ratio is 10.16% 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 Woori America Bank previously called?
The charter now named Woori America Bank has also operated as Hanvit America Bank (1999-2002), per FDIC structure-change records.
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