Industrial and Commercial Bank of China (USA), N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 13.06 percentage points lower than in Q1 2026, at 154.53%. Among 105 New York banks, Industrial and Commercial Bank of China (USA), N.A. sits 6th from the top on loan-to-deposit ratio, 122.90% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Industrial and Commercial Bank of China (USA), N.A. sits 34.70 points higher, at 122.90% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.71B |
| Net loans and leases | $2.69B |
| Loans held for sale | $0 |
| Loans to total assets | 94.89% |
| Loan-to-deposit ratio | 122.90% |
| Net loans to equity capital | 5.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.87% |
| Multifamily (5+ residential) | 6.09% |
| Commercial and industrial | 43.14% |
| Consumer | 0.02% |
| Credit cards | 0.02% |
| Farm | 0.00% |
| Loans to depository institutions | 0.37% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 154.53% |
| Construction concentration (Tier 1 capital + allowance) | 5.43% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.62% |
| Interest income on loans | $38.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.80B | $2.19B | 29.48% | 35.11% | 0.02% |
| Q4 2023 | $2.76B | $2.07B | 29.07% | 34.55% | 0.02% |
| Q1 2024 | $2.70B | $2.11B | 29.00% | 34.97% | 0.02% |
| Q2 2024 | $2.76B | $2.05B | 28.41% | 37.56% | 0.02% |
| Q3 2024 | $2.75B | $2.20B | 29.93% | 36.62% | 0.02% |
| Q4 2024 | $2.72B | $2.25B | 30.45% | 36.55% | 0.02% |
| Q1 2025 | $2.65B | $2.09B | 30.89% | 36.37% | 0.02% |
| Q2 2025 | $2.73B | $2.26B | 30.58% | 38.05% | 0.02% |
| Q3 2025 | $2.78B | $2.20B | 29.93% | 39.83% | 0.02% |
| Q4 2025 | $2.74B | $2.21B | 30.68% | 39.06% | 0.02% |
| Q1 2026 | $2.72B | $2.27B | 30.52% | 39.82% | 0.02% |
| Q2 2026 | $2.71B | $2.21B | 27.87% | 43.14% | 0.02% |
Industrial and Commercial Bank of China (USA), N.A. loan portfolio, all the way back
Loan Portfolio 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-C, 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)