Shinhan Bank America
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
$2.2BAssets
$1.8BLoans
$1.9BDeposits
$259.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating regionally (rank 10 of 176).
- Widest gap: return on equity trails 95% of banks $1B-$10B in assets operating regionally (rank 167 of 176).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $53.6M · efficiency ratio beats 14% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |