Bank Comparison
Tri City National Bank vs Shinhan Bank America
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 11
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Tri City National Bank | Shinhan Bank America |
|---|---|---|
| CET1 Ratio | — | 17.78% |
| Tier 1 Capital Ratio | — | 17.78% |
| Total Capital Ratio | — | 18.70% |
| Tier 1 Leverage Ratio | 10.95% | 12.73% |
| Equity / Assets | 9.48% | 13.00% |
Profitability
| Metric | Tri City National Bank | Shinhan Bank America |
|---|---|---|
| Return on Assets (ROA) | 0.77% | 0.57% |
| Return on Equity (ROE) | 8.38% | 4.43% |
| Net Interest Margin (NIM) | 3.46% | 3.71% |
| Yield on Earning Assets | 4.40% | 5.20% |
| Cost of Funds | 1.01% | 1.76% |
Asset quality
| Metric | Tri City National Bank | Shinhan Bank America |
|---|---|---|
| Texas Ratio | 6.85% | 3.58% |
| Non-Performing Loan Ratio | 1.05% | 0.55% |
| Non-Performing Asset Ratio | 0.70% | 0.49% |
| Net Charge-Off Ratio | -0.01% | -0.02% |
| ACL / Loans | 1.22% | 0.73% |
Balance sheet
| Metric | Tri City National Bank | Shinhan Bank America |
|---|---|---|
| Total Assets | $1,969M | $1,972M |
| Total Deposits | $1,768M | $1,664M |
| Total Loans | $1,176M | $1,739M |
| Total Equity | $186,642K | $256,367K |
| Net Income (quarter) | $3,898K | $2,823K |
Liquidity & funding
| Metric | Tri City National Bank | Shinhan Bank America |
|---|---|---|
| Loan-to-Deposit Ratio | 66.56% | 104.51% |
| Core Deposit Ratio | 97.14% | 79.76% |
| Uninsured Deposit Ratio | 27.41% | 47.65% |
Identity
| Metric | Tri City National Bank | Shinhan Bank America |
|---|---|---|
| Headquarters City | OAK CREEK | NEW YORK |
| Headquarters State | WI | NY |
| Asset Tier | Large | Large |
| Charter Class | 15738 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 28 | 14 |
| Employees (FTE) | 348 | 249 |
| Established | Oct. 28, 1963, midnight | Oct. 18, 1990, 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.
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