Industrial and Commercial Bank of China (USA), N.A.
Industrial and Commercial Bank of China (USA), N.A. is an FDIC-insured commercial bank headquartered in New York, NY, supervised by the OCC, with $2.86B in total assets at Q2 2026, down 0.7% from Q2 2025, the 26th largest of 105 banks headquartered in New York. It was established in 1983 and holds FDIC certificate 24387. Its CET1 capital ratio was 17.53% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
BankRegReports is independent of Industrial and Commercial Bank of China (USA), N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 24387
- Headquarters
- New York, NY
- Established
- 1983
- Total assets, Q2 2026
- $2.86B
- Assets vs Q2 2025
- -0.7%
- CET1 ratio, Q2 2026
- 17.53%
- Domestic offices
- 14 · Industrial and Commercial Bank of China (USA), N.A. branches FDIC institution directory, current count
- Routing number
- 026010948
- Safety and soundness
- Is Industrial and Commercial Bank of China (USA), N.A. safe?
- Latest call report
- Q2 2026, FFIEC 041 · Industrial and Commercial Bank of China (USA), N.A. Q3 2026 call report, filed October 29, 2026 (preliminary)
- Holding company
- INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED
- Asset rank in state
- 26th of 105 in New York
Industrial and Commercial Bank of China (USA), N.A., based in New York, New York, reported $2.9 billion in assets at June 30, 2026. It returns 4.7% a year on shareholders' equity, about a third the median of 12.7% for the 880 banks with $1 billion to $10 billion in assets. On the other hand, it funds 17.26% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.49%).
Earnings jumped: net income for the quarter was $5.8 million, 61% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 4.20% of loans, down from 4.41% a year earlier. Credit is the area to watch: it carries problem assets equal to 22.9% of the capital and reserves that would absorb them, 6.4 times the median of 3.6% for banks its size.
As of June 30, 2026, Industrial and Commercial Bank of China (USA), N.A. reported a CET1 capital ratio of 17.53%, a return on assets of 0.81%, a nonperforming-loan ratio of 4.20% and a Texas ratio of 22.89%. The figures come from its call report filed with the FFIEC.
Industrial and Commercial Bank of China (USA), N.A. ranks as the 26th largest of the 105 banks based in New York, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.2% to $2.86B, loans fell 0.1% and deposits fell 2.9%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 43.1% of total loans, followed by non-owner-occupied commercial real estate loans at 22.5%. Its 14 offices in the FDIC Summary of Deposits are in 11 cities across 2 states; its New York 2 offices book 39% of its branch deposits. On its Q2 2026 call report, Industrial and Commercial Bank of China (USA), N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1185 Avenue Of The Americas, New York, NY 10036
- County
- New York
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- February 14, 1983
- Former names
- The Bank of East Asia (USA), National Association (2003-2012)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 289
- Domestic deposits
- $2.21B
- Allowance for credit losses
- $20.8M
- Net charge-offs (YTD)
- $11K
- Average total assets
- $2.89B
- Average total loans
- $2.71B
- Average interest-bearing deposits
- $1.91B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- February 14, 1983
- FDIC Cert
- 24387
- Fed RSSD
- 1015560
- SEC CIK
- 1468702 → filed by CHINA INVESTMENT CORPORATION
- Website
- www.icbc-us.com →
- Parent Holding Company
- INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED (RSSD 2403119)
- Ultimate Parent
- CHINA INVESTMENT CORPORATION (RSSD 4097978)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Industrial and Commercial Bank of China (USA), N.A.'s total assets ranged from $2.78B (Q1 2025) to $3.03B (Q3 2023), 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
$2.86B total assets against $2.88B; $2.36B total liabilities against $2.40B.
$2.69B net loans and leases against $2.71B; $2.21B total deposits against $2.26B.
$7.3M securities against $7.6M; $82.9M cash and balances due against $81.9M.
$39.4M total interest income against $38.9M; $15.7M total interest expense against $18.6M.
$23.8M net interest income against $20.3M.
$1.2M total noninterest income against $770K; $16.6M total noninterest expense against $15.8M.
$0 provision for credit losses against $0.
$5.8M net income against $3.6M.
0.81% return on assets against 0.51%; 3.35% net interest margin against 2.88%.
17.53% CET1 capital ratio against 16.79%; 17.26% tier 1 leverage ratio against 16.78%.
Inside the full Industrial and Commercial Bank of China (USA), N.A. 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Industrial and Commercial Bank of China (USA), N.A. rankings
Its closest position to the top of a national ranking is 120 of 3,640, for Texas Ratio; its furthest is 2,876 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.46% (Q3 2025) to 0.81% (Q2 2026) and its net interest margin ran from 2.85% (Q4 2024) to 3.35% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.53% | 0.81% | 4.20% | 22.89% | 3.35% |
| Q1 2026 | 17.23% | 0.51% | 4.18% | 22.96% | 2.96% |
| Q4 2025 | 17.06% | 0.62% | 4.33% | 23.29% | 2.96% |
| Q3 2025 | 16.63% | 0.46% | 4.29% | 23.60% | 3.05% |
| Q2 2025 | 16.79% | 0.51% | 4.41% | 23.99% | 2.88% |
| Q1 2025 | 17.23% | 0.49% | 4.09% | 21.75% | 2.91% |
| Q4 2024 | 17.01% | 0.59% | 1.75% | 9.56% | 2.85% |
| Q3 2024 | 16.64% | 0.59% | 1.68% | 9.34% | 3.00% |
Swipe the table sideways to see every column.
Branch Network
View all 14 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 |
|---|---|---|---|
| Canal Street (Old Main Off) Br | New York , NY | 10013 | $471.3M |
| Industrial and Commercial Bank of China Usa, National Association | New York , NY | 10036 | $399.3M |
| Flushing Branch | Flushing , NY | 11354 | $266.1M |
| San Francisco Chinatown | San Francisco , CA | 94133 | $188.5M |
| Alhambra Branch | Alhambra , CA | 91801 | $161.3M |
| Hacienda Heights Branch | Hacienda Heights , CA | 91745 | $153.1M |
| South San Francisco Branch | South San Francisco , CA | 94080 | $129.9M |
| Oakland Branch | Oakland , CA | 94607 | $97.2M |
| Noriega Street Branch | San Francisco , CA | 94122 | $93.9M |
| Temple City Branch | Temple City , CA | 91780 | $81.1M |
| Brooklyn Branch | Brooklyn , NY | 11220 | $71.9M |
| Torrance Branch | Torrance , CA | 90505 | $42.8M |
| Clement Street Branch | San Francisco , CA | 94118 | $38.4M |
| San Gabriel Branch | San Gabriel , CA | 91776 | $13.2M |
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 |
|---|---|---|---|
| May 20, 2006 | Structure Change | Acquired National American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 19, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 72 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 65 applications, 39 loans originated, $56.8M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $300K approved, $300K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 9 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q2 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Industrial and Commercial Bank of China (USA), N.A.’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Industrial and Commercial Bank of China (USA), N.A.
What are Industrial and Commercial Bank of China (USA), N.A.'s total assets?
As of the Q2 2026 filing, Industrial and Commercial Bank of China (USA), N.A. reported total assets of $2.86 billion in its FFIEC call report.
Where is Industrial and Commercial Bank of China (USA), N.A. headquartered?
It is headquartered in New York, NY, United States.
When was Industrial and Commercial Bank of China (USA), N.A. founded?
It was established in 1983, per the FDIC institution directory.
Is Industrial and Commercial Bank of China (USA), N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24387). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Industrial and Commercial Bank of China (USA), N.A.?
Industrial and Commercial Bank of China (USA), N.A.'s primary federal regulator is the OCC.
What is Industrial and Commercial Bank of China (USA), N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.53% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Industrial and Commercial Bank of China (USA), N.A. operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Industrial and Commercial Bank of China (USA), N.A.'s Texas Ratio?
Its Texas Ratio is 22.89% 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 Industrial and Commercial Bank of China (USA), N.A. previously called?
The charter now named Industrial and Commercial Bank of China (USA), N.A. has also operated as The Bank of East Asia (USA), National Association (2003-2012), per FDIC structure-change records.
Go deeper on Industrial and Commercial Bank of China (USA), N.A.
Get an email when Industrial and Commercial Bank of China (USA), N.A. files its next call report, and benchmark it against any peer you choose.
Unlock Industrial and Commercial Bank of China (USA), N.A., freeFree account