Bank Comparison
Habib American Bank vs Industrial and Commercial Bank of China (usa), N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 12
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Habib American Bank | Industrial and Commercial Bank of China (usa), N.A. |
|---|---|---|
| CET1 Ratio | 13.12% | 17.23% |
| Tier 1 Capital Ratio | 13.12% | 17.23% |
| Total Capital Ratio | 14.37% | 17.96% |
| Tier 1 Leverage Ratio | 8.90% | 16.94% |
| Equity / Assets | 8.44% | 17.20% |
Profitability
| Metric | Habib American Bank | Industrial and Commercial Bank of China (usa), N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.97% | 0.51% |
| Return on Equity (ROE) | 11.04% | 3.04% |
| Net Interest Margin (NIM) | 2.23% | 2.96% |
| Yield on Earning Assets | 5.29% | 5.29% |
| Cost of Funds | 3.28% | 2.89% |
Asset quality
| Metric | Habib American Bank | Industrial and Commercial Bank of China (usa), N.A. |
|---|---|---|
| Texas Ratio | 9.47% | 22.96% |
| Non-Performing Loan Ratio | 1.37% | 4.18% |
| Non-Performing Asset Ratio | 0.87% | 4.12% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.30% | 0.77% |
Balance sheet
| Metric | Habib American Bank | Industrial and Commercial Bank of China (usa), N.A. |
|---|---|---|
| Total Assets | $2,977M | $2,864M |
| Total Deposits | $2,577M | $2,273M |
| Total Loans | $1,881M | $2,716M |
| Total Equity | $251,407K | $492,687K |
| Net Income (quarter) | $6,840K | $3,727K |
Liquidity & funding
| Metric | Habib American Bank | Industrial and Commercial Bank of China (usa), N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 72.98% | 119.47% |
| Core Deposit Ratio | 50.85% | 78.08% |
| Uninsured Deposit Ratio | 22.28% | 33.24% |
Identity
| Metric | Habib American Bank | Industrial and Commercial Bank of China (usa), N.A. |
|---|---|---|
| Headquarters City | NEW YORK | NEW YORK |
| Headquarters State | NY | NY |
| Asset Tier | Large | Large |
| Charter Class | 0 | 24440 |
| Regulator | FDIC | OCC |
| Domestic Branches | 6 | 14 |
| Employees (FTE) | 190 | 288 |
| Established | April 16, 1984, midnight | Feb. 14, 1983, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Habib American Bank profile | View full Industrial and Commercial Bank of China (usa), N.A. profile | Browse all bank comparisons