Bank Comparison
Mizuho Bank (USA) vs Shinhan Bank America
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 9
winning metrics across 17 scored rows (1 tied)
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Capital adequacy
| Metric | Mizuho Bank (USA) | Shinhan Bank America |
|---|---|---|
| CET1 Ratio | 33.27% | 17.53% |
| Tier 1 Capital Ratio | 33.27% | 17.53% |
| Total Capital Ratio | 33.56% | 18.46% |
| Tier 1 Leverage Ratio | 7.05% | 12.47% |
| Equity / Assets | 14.90% | 11.62% |
Profitability
| Metric | Mizuho Bank (USA) | Shinhan Bank America |
|---|---|---|
| Return on Assets (ROA) | 0.64% | 0.67% |
| Return on Equity (ROE) | 3.96% | 5.32% |
| Net Interest Margin (NIM) | 1.85% | 3.73% |
| Yield on Earning Assets | 3.85% | 5.33% |
| Cost of Funds | 2.51% | 1.85% |
Asset quality
| Metric | Mizuho Bank (USA) | Shinhan Bank America |
|---|---|---|
| Texas Ratio | 0.00% | 3.76% |
| Non-Performing Loan Ratio | 0.00% | 0.57% |
| Non-Performing Asset Ratio | 0.00% | 0.46% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.42% | 0.74% |
Balance sheet
| Metric | Mizuho Bank (USA) | Shinhan Bank America |
|---|---|---|
| Total Assets | $2.14B | $2.23B |
| Total Deposits | $1.74B | $1.92B |
| Total Loans | $400.4M | $1.81B |
| Total Equity | $318.5M | $259.7M |
| Net Income (quarter) | $7.3M | $3.4M |
Liquidity & funding
| Metric | Mizuho Bank (USA) | Shinhan Bank America |
|---|---|---|
| Loan-to-Deposit Ratio | 23.04% | 94.11% |
| Core Deposit Ratio | 59.37% | 73.14% |
| Uninsured Deposit Ratio | 95.02% | 52.04% |
Identity
| Metric | Mizuho Bank (USA) | Shinhan Bank America |
|---|---|---|
| Headquarters City | New York | New York |
| Headquarters State | NY | NY |
| Asset Tier | $1B to $10B in assets | $1B to $10B in assets |
| Regulator | FED | FDIC |
| Domestic Branches | 4 | 14 |
| Employees (FTE) | 70 | 256 |
| Established | November 29, 1974 | October 18, 1990 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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