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Shinhan Bank America

New York, NY · Cert 33188 · Shinhan Financial Group Co. Ltd.

State charter, non-member · FDIC · 14 branches

Q2 2026

$2.2BAssets
$1.8BLoans
$1.9BDeposits
$259.7MEquity
Loan mix
81%RE $1.4B19%C&I $0.3B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
61%Interest-bearing $1.2B39%Noninterest $0.7BQ2 2025Q2 2026

NIM

5.16%Q2 ’244.82%Q2 ’255.01%Q2 ’26-1%+13%

Non-interest income vs. expense

3.26%Q2 ’243.05%Q2 ’252.76%Q2 ’26-6%-10%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #87 of 151 inst. · $0.7B of $2921.1B

1.8% Gwinnett
0.0% New York
0.1% Dallas
0.3% Bergen

Executive Summary

  • Earnings: ROA of 0.61%, up 42 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.57% of loans (+9 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 12.47%, down 31 bps from a year ago.
  • Funding: loans stand at 94.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.61%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+40 bps YoY

Efficiency Ratio (YTD, annualized)

74.39%-1,606 bps YoY

Tier 1 Leverage Ratio

12.47%-31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.35%0.42%0.58%0.61%+42 bps
Return on Equity1.70%2.97%3.43%4.43%4.87%+318 bps
Net Interest Margin3.17%3.23%3.33%3.62%3.56%+40 bps
Efficiency Ratio90.45%84.42%81.61%77.13%74.39%-1,606 bps
Non-Interest Burden2.89%2.72%2.70%2.74%2.60%-29 bps
Growth
Asset Growth (YoY)15.87%9.24%8.99%8.33%14.80%-107 bps
Loan Growth (YoY)8.46%9.79%12.16%12.10%14.81%+636 bps
Deposit Growth (YoY)15.21%6.65%6.10%5.47%18.76%+356 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.46%0.44%0.55%0.57%+9 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.02%-0.01%-1 bps
Allowance / Loans0.71%0.72%0.75%0.73%0.74%+2 bps
Allowance Coverage of NPLs1.5x1.6x1.7x1.3x1.3x-0.2x
Capital
Tier 1 Leverage Ratio12.78%12.33%12.53%12.73%12.47%-31 bps
Total Risk-Based Capital19.06%18.89%18.69%18.70%18.46%-59 bps
Equity / Assets12.67%13.17%13.38%13.00%11.62%-105 bps
Liquidity & Funding
Loans / Deposits97.35%101.18%104.71%104.51%94.11%-324 bps
Liquid Assets / Assets12.03%7.63%6.29%6.05%13.58%+155 bps
CRE / Total Capitaln/a384%401%398%n/an/a