Shinhan Bank America: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Shinhan Bank America 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 | 0.67% | 1.44% | -0.77% | 14th bottom |
| ROAE | 5.32% | 12.51% | -7.19% | 11th bottom |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.73% | 3.84% | -0.11% | 52nd above |
| Efficiency Ratio | 71.79% | 58.86% | +12.93% | 17th bottom |
| PPNR / Avg Assets | 1.07% | 1.78% | -0.71% | 18th bottom |
| Yield on Earning Assets | 5.33% | 5.71% | -0.38% | 37th below |
| Cost of Funds | 1.85% | 2.03% | -0.18% | 59th above |
| Net Interest Spread | 2.23% | 3.18% | -0.95% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.57% | 0.96% | -0.39% | 54th above |
| NPA / Total Assets | 0.46% | 0.75% | -0.29% | 53rd above |
| NCO / Avg Loans | -0.00% | 0.31% | -0.31% | 89th top |
| ACL / Total Loans | 0.74% | 1.25% | -0.51% | 10th bottom |
| ACL / NPLs (Coverage) | 130.46% | 699.47% | -569.01% | 39th below |
| Texas Ratio | 3.76% | 7.16% | -3.40% | 59th above |
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. | 18.46% | 18.50% | -0.04% | 84th top |
| Leverage Ratio | 12.47% | 11.59% | +0.88% | 80th top |
| Equity / Assets | 11.62% | 11.33% | +0.29% | 71st above |
| TCE / Tangible Assets | 11.59% | 10.65% | +0.94% | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.11% | 86.34% | +7.77% | 33rd below |
| Core Deposit Ratio | 73.14% | 85.57% | -12.43% | 11th bottom |
| Uninsured Deposit Ratio | 52.04% | 32.69% | +19.35% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.80% | 10.45% | +4.35% | 87th top |
| Loan Growth (Y/Y) | 13.37% | 7.99% | +5.38% | 82nd top |
| Deposit Growth (Y/Y) | 18.76% | 7.97% | +10.79% | 89th top |
See Shinhan Bank America's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Shinhan Bank America, 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 Shinhan Bank America profile, how to read a UBPR, or how this data updates.