Industrial and Commercial Bank of China (USA), N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Industrial and Commercial Bank of China (USA), N.A. is an FDIC-insured commercial bank. The Q2 2026 balance sheet stands at $2.9B in assets, including $2.7B in loans. Returns are in line with industry norms at 0.81% ROA and 4.72% ROE; net interest margin is 3.35%. Capital is comfortably above regulatory requirements, CET1 ratio of 17.53% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is impaired, with nonperforming loans at 4.20%. Its footprint covers 14 branches concentrated in New York.
As of June 30, 2026, Industrial and Commercial Bank of China (USA), N.A. reported a CET1 capital ratio of 17.53%, a return on assets of 0.81%, a nonperforming-loan ratio of 4.20%, a Texas ratio of 22.89%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1185 Avenue Of The Americas, New York, NY 10036
- County
- New York
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- February 14, 1983
- Former names
- The Bank of East Asia (USA), National Association (2003-2012)
- Offices
- 14 domestic
- Employees (FTE)
- 289
- Domestic deposits
- $2.21B
- Allowance for credit losses
- $20.8M
- Net charge-offs (YTD)
- $11K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- February 14, 1983
- FDIC Cert
- 24387
- Fed RSSD
- 1015560
- SEC CIK
- 1468702 → filed by CHINA INVESTMENT CORPORATION
- Website
- www.icbc-us.com →
- Parent Holding Company
- INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED (RSSD 2403119)
- Ultimate Parent
- CHINA INVESTMENT CORPORATION (RSSD 4097978)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Industrial and Commercial Bank of China (USA), N.A. terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Industrial and Commercial Bank of China (USA), N.A., 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.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Industrial and Commercial Bank of China (USA), N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Industrial and Commercial Bank of China (USA), N.A.: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.53% | 0.81% | 4.20% | 22.89% | 3.35% |
| Q1 2026 | 17.23% | 0.51% | 4.18% | 22.96% | 2.96% |
| Q4 2025 | 17.06% | 0.62% | 4.33% | 23.29% | 2.96% |
| Q3 2025 | 16.63% | 0.46% | 4.61% | 25.37% | 3.05% |
| Q2 2025 | 16.79% | 0.51% | 4.74% | 25.78% | 2.88% |
| Q1 2025 | 17.23% | 0.49% | 4.43% | 23.55% | 2.91% |
| Q4 2024 | 17.01% | 0.59% | 2.38% | 13.03% | 2.85% |
| Q3 2024 | 16.64% | 0.59% | 2.32% | 12.89% | 3.00% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 14 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Canal Street (Old Main Off) Br | New York , NY | 10013 | $471.3M |
| Industrial and Commercial Bank of China Usa, National Association | New York , NY | 10036 | $399.3M |
| Flushing Branch | Flushing , NY | 11354 | $266.1M |
| San Francisco Chinatown | San Francisco , CA | 94133 | $188.5M |
| Alhambra Branch | Alhambra , CA | 91801 | $161.3M |
| Hacienda Heights Branch | Hacienda Heights , CA | 91745 | $153.1M |
| South San Francisco Branch | South San Francisco , CA | 94080 | $129.9M |
| Oakland Branch | Oakland , CA | 94607 | $97.2M |
| Noriega Street Branch | San Francisco , CA | 94122 | $93.9M |
| Temple City Branch | Temple City , CA | 91780 | $81.1M |
| Brooklyn Branch | Brooklyn , NY | 11220 | $71.9M |
| Torrance Branch | Torrance , CA | 90505 | $42.8M |
| Clement Street Branch | San Francisco , CA | 94118 | $38.4M |
| San Gabriel Branch | San Gabriel , CA | 91776 | $13.2M |
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 20, 2006 | Structure Change | Acquired National American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 19, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Industrial and Commercial Bank of China (USA), N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 72 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 8 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q2 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Compare Industrial and Commercial Bank of China (USA), N.A. with peers
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Frequently asked about Industrial and Commercial Bank of China (USA), N.A.
What are Industrial and Commercial Bank of China (USA), N.A.'s total assets?
As of the Q2 2026 filing, Industrial and Commercial Bank of China (USA), N.A. reported total assets of $2.86 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Industrial and Commercial Bank of China (USA), N.A. headquartered?
Industrial and Commercial Bank of China (USA), N.A. is headquartered in New York, NY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Industrial and Commercial Bank of China (USA), N.A. founded?
Industrial and Commercial Bank of China (USA), N.A. was established in 1983, per the FDIC institution directory.
Is Industrial and Commercial Bank of China (USA), N.A. FDIC-insured?
Yes. Industrial and Commercial Bank of China (USA), N.A. is an FDIC-insured commercial bank (FDIC Certificate #24387). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Industrial and Commercial Bank of China (USA), N.A.?
Industrial and Commercial Bank of China (USA), N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Industrial and Commercial Bank of China (USA), N.A.'s CET1 capital ratio?
Industrial and Commercial Bank of China (USA), N.A. 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 Industrial and Commercial Bank of China (USA), N.A. operate?
Industrial and Commercial Bank of China (USA), N.A. 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 Industrial and Commercial Bank of China (USA), N.A.'s Texas Ratio?
Industrial and Commercial Bank of China (USA), N.A.'s Texas Ratio is 22.89% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Industrial and Commercial Bank of China (USA), N.A. previously called?
The charter now named Industrial and Commercial Bank of China (USA), N.A. has also operated as The Bank of East Asia (USA), National Association (2003-2012), per FDIC structure-change records.
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