New York, NY · Cert 33188 · Shinhan Financial Group Co. Ltd.
State charter, non-member · FDIC · 14 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
87
Asset Quality
78
Profitability
20
Liquidity
66
Efficiency
14
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
New York, NY · Cert 33188 · Shinhan Financial Group Co. Ltd.
State charter, non-member · FDIC · 14 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #87 of 151 inst. · $0.7B of $2921.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.13% | -0.04% | 0.20% | 0.35% | 0.42% | 0.58% | 0.61% | +42 bps | |
| Return on Equity | 1.07% | 1.16% | -0.38% | 1.70% | 2.97% | 3.43% | 4.43% | 4.87% | +318 bps | |
| Net Interest Margin | 3.18% | 3.05% | 3.07% | 3.17% | 3.23% | 3.33% | 3.62% | 3.56% | +40 bps | |
| Efficiency Ratio | 94.50% | 92.86% | 101.13% | 90.45% | 84.42% | 81.61% | 77.13% | 74.39% | -1,606 bps | |
| Non-Interest Burden | 3.05% | 2.86% | 3.15% | 2.89% | 2.72% | 2.70% | 2.74% | 2.60% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.29% | -0.64% | -1.12% | 15.87% | 9.24% | 8.99% | 8.33% | 14.80% | -107 bps | |
| Loan Growth (YoY) | -0.76% | 0.99% | 6.33% | 8.46% | 9.79% | 12.16% | 12.10% | 14.81% | +636 bps | |
| Deposit Growth (YoY) | -7.43% | 2.84% | 3.05% | 15.21% | 6.65% | 6.10% | 5.47% | 18.76% | +356 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.52% | 0.50% | 0.73% | 0.47% | 0.46% | 0.44% | 0.55% | 0.57% | +9 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.01% | 0.00% | 0.00% | 0.00% | -0.02% | -0.01% | -1 bps | |
| Allowance / Loans | 0.78% | 0.77% | 0.72% | 0.71% | 0.72% | 0.75% | 0.73% | 0.74% | +2 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.5x | 1.0x | 1.5x | 1.6x | 1.7x | 1.3x | 1.3x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.57% | 10.10% | 10.59% | 12.78% | 12.33% | 12.53% | 12.73% | 12.47% | -31 bps | |
| Total Risk-Based Capital | 16.19% | 16.18% | 15.50% | 19.06% | 18.89% | 18.69% | 18.70% | 18.46% | -59 bps | |
| Equity / Assets | 11.17% | 11.16% | 10.68% | 12.67% | 13.17% | 13.38% | 13.00% | 11.62% | -105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.29% | 99.05% | 98.33% | 97.35% | 101.18% | 104.71% | 104.51% | 94.11% | -324 bps | |
| Liquid Assets / Assets | 9.97% | 9.42% | 8.76% | 12.03% | 7.63% | 6.29% | 6.05% | 13.58% | +155 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 384% | 401% | 398% | n/a | n/a | |
New York, NY · Cert 33188 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Shinhan Financial Group Co. Ltd.
State charter, non-member · FDIC · 14 branches
Q2 2026
Return on Assets
0.56%
Rank 162 of 176
Net Interest Margin
3.56%
Rank 91 of 176
Efficiency Ratio
74.48%
Rank 153 of 176
Equity / Assets
11.62%
Rank 47 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.56% | 0.93% | 1.26% | 1.54% | Beats 8% | 162 / 176 | ||
| Return on Equity | 4.82% | 9.26% | 11.89% | 14.46% | Beats 5% | 167 / 176 | ||
| Net Interest Margin | 3.56% | 3.25% | 3.59% | 3.93% | Beats 48% | 91 / 176 | ||
| Efficiency Ratio | 74.48% | 52.79% | 59.55% | 67.66% | Beats 14% | 153 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.57% | 0.30% | 0.64% | 1.32% | Beats 56% | 79 / 176 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 100% | 10 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.53% | 11.15% | 12.72% | 14.15% | Beats 94% | 11 / 176 | ||
| Total Risk-Based Capital Ratio | 18.46% | 11.81% | 13.63% | 15.33% | Beats 93% | 12 / 176 | ||
| Equity / Assets | 11.62% | 9.16% | 10.35% | 11.80% | Beats 73% | 47 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.11% | 80.94% | 89.73% | 97.21% | 66th pctl | 59 / 176 | ||
| Loans / Assets | 80.85% | 69.25% | 75.12% | 80.82% | 76th pctl | 43 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||