Woori America Bank
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Data as of · sourced from FFIEC call reports. How we update
Woori America Bank is an FDIC-insured commercial bank headquartered in New York, NY, established in 1984 (FDIC certificate 24920), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $4.12B, up 6.2% from Q2 2025, the 23rd largest of 105 banks headquartered in New York. Its CET1 capital ratio was 18.34% 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
- 24920
- Headquarters
- New York, NY
- Established
- 1984
- Total assets, Q2 2026
- $4.12B
- Assets vs Q2 2025
- +6.2%
- CET1 ratio, Q2 2026
- 18.34%
- Domestic offices
- 22 FDIC institution directory, current count
- Routing number
- 026007443
- Latest call report
- Q2 2026, FFIEC 051 · Woori America Bank call report
- Holding company
- WOORI BANK
- Asset rank in state
- 23rd of 105 in New York
Problem loans are rising at Woori America Bank. The New York, New York bank had $4.1 billion in assets at June 30, 2026, up 6.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.92% of loans from 0.30% a year earlier. It keeps 2.80 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also holds about two-thirds of its deposits (69%) above the FDIC insurance limit, about double the median of 30.9% for banks its size.
Delinquency has appeared in its $1.2 billion non-owner-occupied commercial real estate book: 6.22% of those loans are past due or on nonaccrual, against almost none a year earlier. Deposits are coming in faster than loans: over the year loans rose 1.0% and deposits rose 7.6%. Credit is the area to watch: it carries problem assets equal to 10.2% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Woori America Bank reported a CET1 capital ratio of 18.34%, a return on assets of 1.02%, a nonperforming-loan ratio of 1.92% and a Texas ratio of 10.16%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Woori America Bank is the 23rd largest of the 105 banks headquartered in New York. From Q1 2026 to Q2 2026, its total assets rose 1.8% to $4.12B, loans rose 1.7% and deposits rose 1.8%. Non-owner-occupied commercial real estate loans made up 38.3% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 25.4%. The FDIC Summary of Deposits lists 22 offices for it, in 20 cities across 8 states; its New York office books 31% of its branch deposits. On its Q2 2026 call report, Woori America Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 330 5th Ave, New York, NY 10001
- 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 051
- Established
- January 27, 1984
- Former names
- Hanvit America Bank (1999-2002)
- Domestic offices
- 22 FDIC institution directory, current count
- Employees (FTE)
- 288
- Domestic deposits
- $3.53B
- Allowance for credit losses
- $50.3M
- Net charge-offs (YTD)
- $273K
- Average total assets
- $4.22B
- Average total loans
- $3.06B
- Average interest-bearing deposits
- $3.34B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 27, 1984
- FDIC Cert
- 24920
- Fed RSSD
- 384018
- SEC CIK
- 1264136 → filed by WOORI FINANCIAL GROUP INC.
- Website
- www.wooriamericabank.com →
- Parent Holding Company
- WOORI BANK (RSSD 1242834)
- Ultimate Parent
- WOORI FINANCIAL GROUP INC. (RSSD 5309306)
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
Woori America Bank's total assets moved between a low of $3.20B (Q3 2023) and a high of $4.12B (Q2 2026) from Q3 2023 to Q2 2026, 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
$4.12B total assets against $3.88B; $3.58B total liabilities against $3.38B.
$3.04B net loans and leases against $3.02B; $3.53B total deposits against $3.28B.
$110.6M securities against $130.9M; $865.3M cash and balances due against $621.7M.
$50.3M total interest income against $49.3M; $21.0M total interest expense against $21.9M.
$29.2M net interest income against $27.4M.
$4.9M total noninterest income against $3.4M; $17.0M total noninterest expense against $16.2M.
$2.5M provision for credit losses against $876K.
$10.8M net income against $9.8M.
1.02% return on assets against 1.01%; 2.80% net interest margin against 2.88%.
18.34% CET1 capital ratio against 17.12%; 12.78% tier 1 leverage ratio against 13.08%.
Inside the full Woori America Bank 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.
Woori America Bank rankings
Its closest position to the top of a national ranking is 19 of 980, for uninsured deposits; its furthest is 2,448 of 3,611, for ROA.
Metric pages for Woori America Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.38% (Q1 2026) to 1.06% (Q4 2025) and its net interest margin ran from 2.60% (Q3 2024) to 2.98% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.34% | 1.02% | 1.92% | 10.16% | 2.80% |
| Q1 2026 | 18.61% | 0.38% | 0.79% | 4.19% | 2.86% |
| Q4 2025 | 18.35% | 1.06% | 0.12% | 0.65% | 2.98% |
| Q3 2025 | 17.34% | 0.91% | 0.28% | 1.63% | 2.92% |
| Q2 2025 | 17.12% | 1.01% | 0.30% | 1.69% | 2.88% |
| Q1 2025 | 16.71% | 0.80% | 0.19% | 1.12% | 2.78% |
| Q4 2024 | 16.97% | 0.77% | 0.21% | 1.22% | 2.66% |
| Q3 2024 | 16.79% | 0.84% | 0.23% | 1.31% | 2.60% |
Swipe the table sideways to see every column.
Branch Network
View all 22 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 |
|---|---|---|---|
| Woori America Bank (main office) | New York , NY | 10001 | $1.08B |
| Fort Lee Branch | Fort Lee , NJ | 07024 | $426.8M |
| Duluth Branch Office | Duluth , GA | 30096 | $199.0M |
| Annandale Branch | Annandale , VA | 22003 | $183.0M |
| Olympic Branch | Los Angeles , CA | 90019 | $169.2M |
| Elkins Park Branch | Elkins Park , PA | 19027 | $162.5M |
| Centreville Branch | Centreville , VA | 20121 | $154.6M |
| Flushing Branch | New York City , NY | 11354 | $128.9M |
| Palisades Park Branch | Palisades Park , NJ | 07650 | $126.3M |
| Woodside Branch | Woodside , NY | 11377 | $122.3M |
| Buena Park Branch Office | Buena Park , CA | 90621 | $120.2M |
| Bayside Branch | Bayside , NY | 11361 | $101.1M |
| Closter Branch | Closter , NJ | 07624 | $84.8M |
| Dallas Branch | Lewisville , TX | 75067 | $79.9M |
| Ellicott City Branch Office | Ellicott City , MD | 21042 | $77.4M |
| Ridgefield Branch | Ridgefield , NJ | 07657 | $74.8M |
| Irvine Branch | Irvine , CA | 92604 | $72.7M |
| Fullerton Branch | Buena Park , CA | 90621 | $42.8M |
| Northern Branch | Flushing , NY | 11358 | $40.2M |
| Torrance Branch | Torrance , CA | 90501 | $33.5M |
| Wilshire Branch | Los Angeles , CA | 90010 | $33.4M |
| Austin Branch | Austin , TX | 78717 | $17.7M |
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 5, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 12, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 12, 2003 | Structure Change | Acquired Panasia Bank, National Association 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 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 65 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 592 applications, 401 loans originated, $236.6M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 85 loans, $67.4M approved, $793K 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, 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 Woori America Bank
What are Woori America Bank's total assets?
As of the Q2 2026 filing, Woori America Bank reported total assets of $4.12 billion in its FFIEC call report.
Where is Woori America Bank headquartered?
It is headquartered in New York, NY, United States.
When was Woori America Bank founded?
It was established in 1984, per the FDIC institution directory.
Is Woori America Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24920). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Woori America Bank?
Woori America Bank's primary federal regulator is the FDIC.
What is Woori America Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.34% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Woori America Bank operate?
It operates 22 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Woori America Bank's Texas Ratio?
Its Texas Ratio is 10.16% 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 Woori America Bank previously called?
The charter now named Woori America Bank has also operated as Hanvit America Bank (1999-2002), per FDIC structure-change records.
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