CTBC Bank Corp. (USA): Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 8.69 percentage points in Q2 2026, from 96.74% to 88.05%. It was the largest change from Q1 2026 among the key lines here. Within California, CTBC Bank Corp. (USA) is 73rd of 114 on return on assets, 0.87% as of Q2 2026, below the middle of the field. CTBC Bank Corp. (USA) reported 0.87% on return on assets for Q2 2026, 0.41 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.67% |
| Equity capital to assets | 13.35% |
| Tangible equity to tangible assets | 13.35% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.58% |
| Non-performing assets ratio | 1.19% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 8.37% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 68.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.87% |
| Return on equity | 6.05% |
| Net interest margin | 3.10% |
| Efficiency ratio | 60.80% |
| Yield on earning assets | 5.50% |
| Cost of funds | 2.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.05% |
| Core deposits to total deposits | 70.48% |
| Brokered deposits to total deposits | 0.85% |
| Deposits to assets | 85.46% |
| Securities to assets | 6.59% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.29% | 0.74% | 2.71% | 0.49% | 0.06% |
| Q4 2023 | 13.39% | 0.75% | 2.59% | 0.50% | 0.05% |
| Q1 2024 | 13.65% | 0.73% | 2.56% | 0.50% | 0.00% |
| Q2 2024 | 13.70% | 0.82% | 2.57% | 0.50% | 0.04% |
| Q3 2024 | 13.67% | 0.69% | 2.56% | 0.29% | -0.00% |
| Q4 2024 | 13.92% | 0.83% | 2.67% | 1.30% | 0.00% |
| Q1 2025 | 14.19% | 0.74% | 2.84% | 1.22% | 0.03% |
| Q2 2025 | 14.06% | 0.61% | 2.95% | 1.17% | -0.00% |
| Q3 2025 | 13.92% | 0.90% | 2.98% | 1.22% | 0.02% |
| Q4 2025 | 13.91% | 1.04% | 2.98% | 1.67% | 0.08% |
| Q1 2026 | 14.31% | 0.92% | 2.91% | 1.59% | 0.11% |
| Q2 2026 | 14.67% | 0.87% | 3.10% | 1.58% | 0.01% |
CTBC Bank Corp. (USA) vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock CTBC Bank Corp. (USA), freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full CTBC Bank Corp. (USA) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19416) · FFIEC NIC profile (RSSD 996260)