Hana Bank USA, N.A.: 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.
The standout move of Q2 2026 was in Return on assets: 2.23 percentage points higher than in Q1 2026, at 3.91%. Hana Bank USA, N.A. has the highest return on assets of the 49 banks headquartered in New Jersey, 3.91% as of Q2 2026. Hana Bank USA, N.A.'s return on assets of 3.91% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 2.66 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 42.21% |
| Tier 1 risk-based capital ratio | 42.21% |
| Total risk-based capital ratio | 43.06% |
| Tier 1 leverage ratio | 25.41% |
| Equity capital to assets | 26.91% |
| Tangible equity to tangible assets | 26.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.07% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.91% |
| Return on equity | 15.26% |
| Net interest margin | 3.07% |
| Efficiency ratio | 55.03% |
| Yield on earning assets | 5.16% |
| Cost of funds | 2.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.49% |
| Core deposits to total deposits | 62.39% |
| Brokered deposits to total deposits | 7.19% |
| Deposits to assets | 70.43% |
| Securities to assets | 17.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 40.69% | 40.69% | 41.94% | 22.50% | 0.51% |
| Q4 2023 | 37.72% | 37.72% | 38.98% | 22.60% | 0.50% |
| Q1 2024 | 37.53% | 37.53% | 38.78% | 23.32% | 0.84% |
| Q2 2024 | 31.79% | 31.79% | 33.05% | 21.39% | 0.46% |
| Q3 2024 | 30.60% | 30.60% | 31.86% | 19.27% | 0.41% |
| Q4 2024 | 28.56% | 28.56% | 29.81% | 18.16% | 0.89% |
| Q1 2025 | 26.37% | 26.37% | 27.62% | 17.49% | 0.64% |
| Q2 2025 | 24.09% | 24.09% | 25.25% | 16.64% | 4.17% |
| Q3 2025 | 24.15% | 24.15% | 25.30% | 15.07% | 0.95% |
| Q4 2025 | 45.11% | 45.11% | 46.21% | 27.27% | 0.92% |
| Q1 2026 | 42.42% | 42.42% | 43.26% | 24.99% | 1.68% |
| Q2 2026 | 42.21% | 42.21% | 43.06% | 25.41% | 3.91% |
Hana Bank USA, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hana Bank USA, N.A., 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 Hana Bank USA, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26790) · FFIEC NIC profile (RSSD 609609)