Shinhan Bank America
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Data as of · sourced from FFIEC call reports. How we update
Shinhan Bank America is an FDIC-insured commercial bank headquartered in New York, NY, established in 1990 (FDIC certificate 33188), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.23B, up 14.8% from Q2 2025, the 34th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 17.53% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 33188
- Headquarters
- New York, NY
- Established
- 1990
- Total assets, Q2 2026
- $2.23B
- Assets vs Q2 2025
- +14.8%
- CET1 ratio, Q2 2026
- 17.53%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 026011963
- Latest call report
- Q2 2026, FFIEC 041 · Shinhan Bank America call report
- Holding company
- SHINHAN BANK
- Asset rank in state
- 34th of 105 in New York
Shinhan Bank America, based in New York, New York, reported $2.2 billion in assets at June 30, 2026, up 14.8% from a year earlier. It returns 5.3% a year on shareholders' equity, about half the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. It also holds about half of its deposits (52%) above the FDIC insurance limit, higher than about 9 in 10 banks its size (median 30.9%).
Earnings jumped: net income for the quarter was $3.4 million, 73% above the same quarter a year earlier. Over the same year, loans grew 13.4% and deposits grew 18.8%. Costs are the weak spot: it spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Shinhan Bank America reported a CET1 capital ratio of 17.53%, a return on assets of 0.67%, a nonperforming-loan ratio of 0.57% and a Texas ratio of 3.28%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Shinhan Bank America is the 34th largest of the 105 banks headquartered in New York. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 13.3% to $2.23B, loans rose 3.8% and deposits rose 15.3%. Non-owner-occupied commercial real estate loans made up 36.0% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 23.9%. Its 14 offices in the FDIC Summary of Deposits are in 13 cities across 5 states; its Duluth office books 23% of its branch deposits. On its Q2 2026 call report, Shinhan Bank America meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 475 Park Ave S, New York, NY 10016
- County
- New York
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- October 18, 1990
- Former names
- CHB America Bank (2003-2006); Chohung Bank of New York (1999-2003)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 256
- Domestic deposits
- $1.92B
- Allowance for credit losses
- $13.3M
- Net charge-offs (YTD)
- -$98K
- Average total assets
- $2.06B
- Average total loans
- $1.77B
- Average interest-bearing deposits
- $966.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 18, 1990
- FDIC Cert
- 33188
- Fed RSSD
- 1494914
- SEC CIK
- 1263043 → filed by SHINHAN FINANCIAL GROUP CO., LTD.
- Website
- www.shbamerica.com →
- Parent Holding Company
- SHINHAN BANK (RSSD 1242825)
- Ultimate Parent
- SHINHAN FINANCIAL GROUP CO., LTD. (RSSD 3107964)
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
From Q3 2023 to Q2 2026, Shinhan Bank America's total assets ranged from $1.68B (Q2 2024) to $2.23B (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.23B total assets against $1.95B; $1.97B total liabilities against $1.70B.
$1.79B net loans and leases against $1.58B; $1.92B total deposits against $1.62B.
$113.2M securities against $121.1M; $256.4M cash and balances due against $174.8M.
$26.7M total interest income against $24.1M; $8.0M total interest expense against $7.8M.
$18.7M net interest income against $16.3M.
$921K total noninterest income against $774K; $14.1M total noninterest expense against $14.2M.
$540K provision for credit losses against $15K.
$3.4M net income against $2.0M.
0.67% return on assets against 0.42%; 3.73% net interest margin against 3.50%.
17.53% CET1 capital ratio against 18.19%; 12.47% tier 1 leverage ratio against 12.78%.
Inside the full Shinhan Bank America 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Shinhan Bank America rankings
Its closest position to the top of a national ranking is 83 of 980, for uninsured deposits; its furthest is 3,066 of 3,611, for ROA.
Metric pages for Shinhan Bank America: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.04% (Q1 2025) to 0.67% (Q2 2026) and its net interest margin ran from 3.09% (Q4 2024) to 3.73% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.53% | 0.67% | 0.57% | 3.28% | 3.73% |
| Q1 2026 | 17.77% | 0.57% | 0.55% | 3.57% | 3.70% |
| Q4 2025 | 17.77% | 0.58% | 0.44% | 2.78% | 3.64% |
| Q3 2025 | 18.02% | 0.63% | 0.45% | 2.83% | 3.71% |
| Q2 2025 | 18.19% | 0.42% | 0.47% | 2.90% | 3.50% |
| Q1 2025 | 14.62% | -0.04% | 0.73% | 3.40% | 3.13% |
| Q4 2024 | 15.24% | 0.15% | 0.50% | 3.64% | 3.09% |
| Q3 2024 | 15.26% | 0.15% | 0.52% | 3.73% | 3.32% |
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 |
|---|---|---|---|
| Duluth Branch | Duluth , GA | 30096 | $447.6M |
| Dallas Branch | Dallas , TX | 75229 | $250.7M |
| Shinhan Bank America (main office) | New York , NY | 10016 | $250.6M |
| California Regional OfficeOlympic Branch | Los Angeles , CA | 90006 | $163.0M |
| Palisades Park Branch | Palisades Park , NJ | 07650 | $135.4M |
| San Diego Branch | San Diego , CA | 92111 | $103.2M |
| Irvine Branch | Irvine , CA | 92606 | $89.6M |
| Buena Park Branch | Buena Park , CA | 90621 | $87.6M |
| Fort Lee Branch | Fort Lee , NJ | 07024 | $79.9M |
| Manhattan Branch | New York , NY | 10016 | $78.9M |
| Bayside Branch | Bayside , NY | 11361 | $75.7M |
| Alpharetta Branch | Alpharetta , GA | 30022 | $56.1M |
| Northern Branch | Flushing , NY | 11354 | $54.2M |
| Torrance Branch | Torrance , CA | 90501 | $47.3M |
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 2, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2007 | Structure Change | Acquired North Atlanta National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 24, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 24, 2003 | Structure Change | Acquired California Chohung Bank 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 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 104 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 23 loans, $20.7M approved, $901K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Shinhan Bank America
What are Shinhan Bank America's total assets?
As of the Q2 2026 filing, Shinhan Bank America reported total assets of $2.23 billion in its FFIEC call report.
Where is Shinhan Bank America headquartered?
It is headquartered in New York, NY, United States.
When was Shinhan Bank America founded?
It was established in 1990, per the FDIC institution directory.
Is Shinhan Bank America FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33188). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Shinhan Bank America?
Shinhan Bank America's primary federal regulator is the FDIC.
What is Shinhan Bank America'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 Shinhan Bank America 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 Shinhan Bank America's Texas Ratio?
Its Texas Ratio is 3.28% 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 Shinhan Bank America previously called?
The charter now named Shinhan Bank America has also operated as CHB America Bank (2003-2006), Chohung Bank of New York (1999-2003), per FDIC structure-change records.
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