Industrial and Commercial Bank of China (USA), N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Industrial and Commercial Bank of China (USA), N.A. of New York, NY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.81% | 1.44% | -0.63% | 19th bottom |
| ROAE | 4.72% | 12.51% | -7.79% | 9th bottom |
| Net Interest Margin | 3.35% | 3.84% | -0.49% | 28th below |
| Efficiency Ratio | 66.56% | 58.86% | +7.70% | 27th below |
| PPNR / Avg Assets | 1.15% | 1.78% | -0.63% | 21st bottom |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.55% | 5.71% | -0.16% | 51st above |
| Cost of Funds | 2.71% | 2.03% | +0.68% | 14th bottom |
| Net Interest Spread | 2.22% | 3.18% | -0.96% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.20% | 0.96% | +3.24% | 2nd bottom |
| NPA / Total Assets | 4.16% | 0.74% | +3.42% | 1st bottom |
| NCO / Avg Loans | 0.00% | 0.31% | -0.31% | 78th top |
| ACL / Total Loans | 0.77% | 1.25% | -0.48% | 12th bottom |
| ACL / NPLs (Coverage) | 18.26% | 699.59% | -681.33% | 1st bottom |
| Texas Ratio | 22.89% | 7.14% | +15.75% | 5th bottom |
| Provision / NCO | 0.00% | 815.61% | -815.61% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.53% | 17.41% | +0.12% | 85th top |
| Tier 1 Ratio | 17.53% | 17.44% | +0.09% | 85th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.27% | 18.50% | -0.23% | 83rd top |
| Leverage Ratio | 17.26% | 11.59% | +5.67% | 96th top |
| Equity / Assets | 17.43% | 11.32% | +6.11% | 97th top |
| TCE / Tangible Assets | 17.43% | 10.64% | +6.79% | 97th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 122.90% | 86.31% | +36.59% | 2nd bottom |
| Core Deposit Ratio | 64.14% | 85.58% | -21.44% | 5th bottom |
| Uninsured Deposit Ratio | 37.25% | 32.70% | +4.55% | 34th below |
| Wholesale Funding Ratio | 1.05% | 5.46% | -4.41% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.72% | 10.47% | -11.19% | 13th bottom |
| Loan Growth (Y/Y) | -0.64% | 8.00% | -8.64% | 15th bottom |
| Deposit Growth (Y/Y) | -2.38% | 7.99% | -10.37% | 10th bottom |
See Industrial and Commercial Bank of China (USA), N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Industrial and Commercial Bank of China (USA), N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Industrial and Commercial Bank of China (USA), N.A. profile, how to read a UBPR, or how this data updates.