Industrial and Commercial Bank of China (USA), N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Retained earnings rose 4.7% in Q2 2026 to $129.7M, the biggest move on this page. Within New York, Industrial and Commercial Bank of China (USA), N.A. is 33rd of 82 on CET1 ratio, 17.53% as of Q2 2026, above the middle of the field. Industrial and Commercial Bank of China (USA), N.A. reported 17.53% on CET1 ratio for Q2 2026, 4.05 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.53% |
| Tier 1 risk-based capital ratio | 17.53% |
| Total risk-based capital ratio | 18.27% |
| Tier 1 leverage ratio | 17.26% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $498.5M |
| Tier 1 capital | $498.5M |
| Total risk-based capital | $519.5M |
| Total equity capital | $498.5M |
| Risk-weighted assets | $2.84B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.43% |
| Tangible equity to tangible assets | 17.43% |
| Equity capital to average assets | 17.26% |
| Internal capital growth rate | 4.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5K |
| Common stock surplus | $368.8M |
| Retained earnings | $129.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 17.51% | 17.51% | 18.53% | 14.92% | $2.57B |
| Q4 2023 | 18.06% | 18.06% | 19.16% | 15.21% | $2.51B |
| Q1 2024 | 16.55% | 16.55% | 17.40% | 15.69% | $2.77B |
| Q2 2024 | 16.37% | 16.37% | 17.22% | 16.10% | $2.84B |
| Q3 2024 | 16.64% | 16.64% | 17.49% | 16.03% | $2.82B |
| Q4 2024 | 17.01% | 17.01% | 17.79% | 16.21% | $2.79B |
| Q1 2025 | 17.23% | 17.23% | 17.99% | 17.00% | $2.77B |
| Q2 2025 | 16.79% | 16.79% | 17.53% | 16.78% | $2.87B |
| Q3 2025 | 16.63% | 16.63% | 17.36% | 16.71% | $2.91B |
| Q4 2025 | 17.06% | 17.06% | 17.79% | 16.74% | $2.87B |
| Q1 2026 | 17.23% | 17.23% | 17.96% | 16.94% | $2.86B |
| Q2 2026 | 17.53% | 17.53% | 18.27% | 17.26% | $2.84B |
Industrial and Commercial Bank of China (USA), N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Industrial and Commercial Bank of China (USA), N.A., freeSource: Call Report Schedule RC-R, 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 Industrial and Commercial Bank of China (USA), N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24387) · FFIEC NIC profile (RSSD 1015560)