CTBC Bank Corp. (USA)
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Data as of · sourced from FFIEC call reports. How we update
CTBC Bank Corp. (USA) is an FDIC-insured commercial bank headquartered in Los Angeles, CA, established in 1965 (FDIC certificate 19416), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $5.87B, up 10.4% from Q2 2025, the 19th largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.67% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19416
- Headquarters
- Los Angeles, CA
- Established
- 1965
- Total assets, Q2 2026
- $5.87B
- Assets vs Q2 2025
- +10.4%
- Tier 1 leverage ratio, Q2 2026
- 14.67%
- Domestic offices
- 20 FDIC institution directory, current count
- Routing number
- 122210406
- Latest call report
- Q2 2026, FFIEC 041 · CTBC Bank Corp. (USA) Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- CTBC CAPITAL CORP.
- Asset rank in state
- 19th of 113 in California
Problem loans are rising at CTBC Bank Corp. (USA). The Los Angeles, California bank had $5.9 billion in assets at June 30, 2026, up 10.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.55% of loans from 0.23% a year earlier. It funds 14.67% of its assets with Tier 1 capital, higher than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 10.49%). On the other hand, it holds about two-thirds of its deposits (67%) above the FDIC insurance limit, about double the median of 30.9% for banks its size.
Earnings jumped: net income for the quarter was $12 million, 45% above the same quarter a year earlier. The non-owner-occupied commercial real estate book ($1.3 billion) is worsening: 2.90% of it is past due or on nonaccrual, up from 0.45% a year earlier. Profitability lags: it returns 6.1% a year on shareholders' equity, about half the median of 12.7% for banks its size.
As of June 30, 2026, CTBC Bank Corp. (USA) reported a return on assets of 0.87%, a nonperforming-loan ratio of 1.55% and a Texas ratio of 8.26%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, CTBC Bank Corp. (USA) is the 19th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 9.4% to $5.87B, loans rose 0.5% and deposits rose 10.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 33.9% of total loans, ahead of non-owner-occupied commercial real estate loans at 29.3%. Its 20 offices in the FDIC Summary of Deposits are in 18 cities across 3 states; its Cupertino office books 32% of its branch deposits. Judged on its Q2 2026 call report, CTBC Bank Corp. (USA) meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 801 S Figueroa St, Los Angeles, CA 90017
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 27, 1965
- Former names
- Chinatrust Bank (U.S.A.) (1997-2013); China Trust Bank of California (1995-1997); Trans National Bank (1984-1995); Trans American National BAnk (1981-1984)
- Domestic offices
- 20 FDIC institution directory, current count
- Employees (FTE)
- 392
- Domestic deposits
- $5.02B
- Allowance for credit losses
- $47.6M
- Net charge-offs (YTD)
- $1.3M
- Average total assets
- $5.44B
- Average total loans
- $4.37B
- Average interest-bearing deposits
- $3.87B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- April 27, 1965
- FDIC Cert
- 19416
- Fed RSSD
- 996260
- Website
- http://www.ctbcbankusa.com →
- Parent Holding Company
- CTBC CAPITAL CORP. (RSSD 1486517)
- Ultimate Parent
- CTBC FINANCIAL HOLDING CO., LTD. (RSSD 3080209)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, CTBC Bank Corp. (USA) reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, CTBC Bank Corp. (USA)'s total assets ran between $5.17B (Q1 2025) and $5.87B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.87B total assets against $5.32B; $5.09B total liabilities against $4.59B.
$4.37B net loans and leases against $4.27B; $5.02B total deposits against $4.54B.
$387.2M securities against $295.6M; $866.7M cash and balances due against $518.2M.
$72.4M total interest income against $73.4M; $31.5M total interest expense against $35.7M.
$40.8M net interest income against $37.7M.
$4.6M total noninterest income against $3.6M; $27.6M total noninterest expense against $24.2M.
$1.2M provision for credit losses against $5.6M.
$11.8M net income against $8.1M.
0.87% return on assets against 0.61%; 3.10% net interest margin against 2.95%.
14.67% tier 1 leverage ratio against 14.06%.
Inside the full CTBC Bank Corp. (USA) terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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.
CTBC Bank Corp. (USA) rankings
Its closest position to the top of a national ranking is 22 of 980, for uninsured deposits; its furthest is 2,777 of 3,611, for ROA.
Metric pages for CTBC Bank Corp. (USA): Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.61% (Q2 2025) to 1.04% (Q4 2025) and its net interest margin ran from 2.56% (Q3 2024) to 3.10% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.67% | 0.87% | 1.55% | 8.26% | 3.10% |
| Q1 2026 | 14.31% | 0.92% | 1.59% | 8.54% | 2.91% |
| Q4 2025 | 13.91% | 1.04% | 0.72% | 4.44% | 2.98% |
| Q3 2025 | 13.92% | 0.90% | 0.28% | 2.12% | 2.98% |
| Q2 2025 | 14.06% | 0.61% | 0.23% | 1.91% | 2.95% |
| Q1 2025 | 14.19% | 0.74% | 0.26% | 2.06% | 2.84% |
| Q4 2024 | 13.92% | 0.83% | 0.33% | 2.48% | 2.67% |
| Q3 2024 | 13.67% | 0.69% | 0.29% | 2.38% | 2.56% |
Swipe the table sideways to see every column.
Branch Network
View all 20 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cupertino Branch | Cupertino , CA | 95014 | $1.62B |
| CTBC Bank Corp. (USA) (main office) | Los Angeles , CA | 90017 | $572.4M |
| Irvine Branch | Irvine , CA | 92604 | $469.5M |
| Flushing Branch | Flushing , NY | 11355 | $360.4M |
| Rowland Heights Branch | City Of Industry , CA | 91748 | $325.5M |
| City of Industry Branch | City Of Industry , CA | 91748 | $246.0M |
| San Marino Branch | San Marino , CA | 91108 | $178.4M |
| Torrance Branch | Torrance , CA | 90503 | $150.8M |
| Edison Branch | Edison , NJ | 08817 | $113.3M |
| Monterey Park Branch | Monterey Park , CA | 91754 | $112.0M |
| Milpitas Branch | Milpitas , CA | 95035 | $110.7M |
| Arcadia Branch | Arcadia , CA | 91006 | $97.8M |
| San Francisco Branch | San Francisco , CA | 94133 | $96.8M |
| Irvine #2 Branch | Irvine , CA | 92604 | $96.2M |
| San Gabriel Branch | San Gabriel , CA | 91776 | $91.1M |
| Brooklyn Branch | Brooklyn , NY | 11220 | $89.0M |
| Temple City Branch | Temple City , CA | 91780 | $84.2M |
| Hacienda Heights Branch | Hacienda Heights , CA | 91745 | $75.5M |
| Diamond Bar Branch | Diamond Bar , CA | 91765 | $68.9M |
| Walnut Branch | Walnut , CA | 91789 | $63.4M |
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 |
|---|---|---|---|
| April 14, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 14, 2003 | Structure Change | Acquired The Express Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 30, 1997 | Structure Change | Acquired China Trust Bank of New York Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 29, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 9, 1983 | Structure Change | Acquired Bank of San Marino Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 8, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 12, 1983 | Structure Change | Acquired Newport Harbour National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 11, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in CA, rank 38 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 649 applications, 346 loans originated, $333.9M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.1M approved, $554K 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about CTBC Bank Corp. (USA)
What are CTBC Bank Corp. (USA)'s total assets?
As of the Q2 2026 filing, CTBC Bank Corp. (USA) reported total assets of $5.87 billion in its FFIEC call report.
Where is CTBC Bank Corp. (USA) headquartered?
It is headquartered in Los Angeles, CA, United States.
When was CTBC Bank Corp. (USA) founded?
It was established in 1965, per the FDIC institution directory.
Is CTBC Bank Corp. (USA) FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19416). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates CTBC Bank Corp. (USA)?
CTBC Bank Corp. (USA)'s primary federal regulator is the FDIC.
How many branches does CTBC Bank Corp. (USA) operate?
It operates 20 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is CTBC Bank Corp. (USA)'s Texas Ratio?
Its Texas Ratio is 8.26% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was CTBC Bank Corp. (USA) previously called?
The charter now named CTBC Bank Corp. (USA) has also operated as Chinatrust Bank (U.S.A.) (1997-2013), China Trust Bank of California (1995-1997), Trans National Bank (1984-1995), Trans American National BAnk (1981-1984), per FDIC structure-change records.
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