Mizuho Bank (USA)
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Data as of · sourced from FFIEC call reports. How we update
Mizuho Bank (USA) is an FDIC-insured commercial bank headquartered in New York, NY, established in 1974 (FDIC certificate 21843), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.14B, the 36th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 33.27% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 21843
- Headquarters
- New York, NY
- Established
- 1974
- Total assets, Q2 2026
- $2.14B
- CET1 ratio, Q2 2026
- 33.27%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 026008905
- Latest call report
- Q2 2026, FFIEC 031 · Mizuho Bank (USA) call report
- Holding company
- MIZUHO AMERICAS LLC
- Asset rank in state
- 36th of 105 in New York
Mizuho Bank (USA), based in New York, New York, reported $2.1 billion in assets at June 30, 2026, against $6.6 billion a year earlier. It returns 4.0% a year on shareholders' equity, about a third the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. It also spends about 94 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Earnings fell sharply: quarterly net income of $7.3 million was 60% below a year earlier. Its margin is thin by comparison: it keeps 1.85 cents of net interest income on every dollar of earning assets, about half the median of 3.71 cents for banks its size.
As of June 30, 2026, Mizuho Bank (USA) reported a CET1 capital ratio of 33.27%, a return on assets of 0.64%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Mizuho Bank (USA) is the 36th largest of the 105 banks headquartered in New York. Between Q1 2026 and Q2 2026, its total assets fell 47.2% to $2.14B, loans fell 7.0% and deposits fell 38.5%. Loans to nondepository financial institutions made up 67.4% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 32.8%. Its 2 offices in the FDIC Summary of Deposits are in New York, NY. On its Q2 2026 call report, Mizuho Bank (USA) meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1271 Avenue Of The Americas, New York, NY 10020
- County
- New York
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- November 29, 1974
- Former names
- Mizuho Corporate Bank (USA) (2002-2013); The Fuji Bank and Trust Company (1974-2002)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 70
- Domestic deposits
- $1.74B
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $0
- Average total assets
- $4.57B
- Average total loans
- $410.9M
- Average interest-bearing deposits
- $2.49B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 29, 1974
- FDIC Cert
- 21843
- Fed RSSD
- 229913
- Parent Holding Company
- MIZUHO AMERICAS LLC (RSSD 5034792)
- Ultimate Parent
- MIZUHO FINANCIAL GROUP, INC. (RSSD 3185355)
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. 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
Over the 12 quarters to Q2 2026, Mizuho Bank (USA)'s total assets ran between $2.14B (Q2 2026) and $8.37B (Q4 2024), 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
$2.14B total assets against $6.60B; $1.82B total liabilities against $5.31B.
$398.8M net loans and leases against $2.43B; $1.74B total deposits against $5.17B.
$307K securities against $22.7M; $1.51B cash and balances due against $3.94B.
$37.9M total interest income against $80.9M; $19.7M total interest expense against $43.9M.
$18.2M net interest income against $37.0M.
$143.1M total noninterest income against $140.2M; $151.0M total noninterest expense against $153.0M.
-$291K provision for credit losses against -$2.9M.
$7.3M net income against $18.1M.
0.64% return on assets against 0.95%; 1.85% net interest margin against 2.21%.
33.27% CET1 capital ratio against 24.99%; 7.05% tier 1 leverage ratio against 17.00%.
Inside the full Mizuho Bank (USA) 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.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run. BankRegReports band; the $250K limit is statutory but this risk threshold is ours (post-SVB).
Mizuho Bank (USA) rankings
Its closest position to the top of a national ranking is 2 of 980, for uninsured deposits; its furthest is 3,512 of 3,606, for efficiency ratio.
Metric pages for Mizuho Bank (USA): CET1 ratio, Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.64% (Q2 2026) to 1.76% (Q4 2025) and its net interest margin ran from 1.85% (Q2 2026) to 3.02% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 33.27% | 0.64% | 0.00% | 0.00% | 1.85% |
| Q1 2026 | 113.99% | 1.26% | 0.00% | 0.00% | 1.97% |
| Q4 2025 | 31.39% | 1.76% | 0.00% | 0.00% | 2.12% |
| Q3 2025 | 26.28% | 1.30% | 0.00% | 0.00% | 2.18% |
| Q2 2025 | 24.99% | 0.95% | 0.00% | 0.00% | 2.21% |
| Q1 2025 | 26.15% | 1.16% | 0.00% | 0.00% | 2.14% |
| Q4 2024 | 24.64% | 1.14% | 0.00% | 0.00% | 1.97% |
| Q3 2024 | 23.80% | 1.69% | 0.00% | 0.00% | 3.02% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Mizuho Bank (USA) (main office) | New York , NY | 10020 | $1.74B |
| 1285 Avenue of the Americas Branch | New York , NY | 10019 | $0 |
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 |
|---|---|---|---|
| December 31, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2017 | Structure Change | Acquired Mizuho Trust & Banking Co. USA Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2002 | Structure Change | Acquired The Industrial Bank of Japan Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 62 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Mizuho Bank (USA)
What are Mizuho Bank (USA)'s total assets?
As of the Q2 2026 filing, Mizuho Bank (USA) reported total assets of $2.14 billion in its FFIEC call report.
Where is Mizuho Bank (USA) headquartered?
It is headquartered in New York, NY, United States.
When was Mizuho Bank (USA) founded?
It was established in 1974, per the FDIC institution directory.
Is Mizuho Bank (USA) FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21843). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mizuho Bank (USA)?
Mizuho Bank (USA)'s primary federal regulator is the Federal Reserve.
What is Mizuho Bank (USA)'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 33.27% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Mizuho Bank (USA) operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mizuho Bank (USA)'s Texas Ratio?
Its Texas Ratio is 0.00% 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 Mizuho Bank (USA) previously called?
The charter now named Mizuho Bank (USA) has also operated as Mizuho Corporate Bank (USA) (2002-2013), The Fuji Bank and Trust Company (1974-2002), per FDIC structure-change records.
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