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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.16% | -0.04% | 0.42% | 0.65% | 0.61% | 0.58% | 0.65% | +23 bps | |
| Return on Equity | 1.45% | 1.43% | -0.38% | 3.60% | 5.05% | 4.58% | 4.43% | 5.32% | +172 bps | |
| Net Interest Margin | 3.25% | 3.03% | 3.07% | 3.43% | 3.66% | 3.57% | 3.62% | 3.65% | +21 bps | |
| Efficiency Ratio | 93.37% | 88.15% | 101.13% | 81.37% | 74.47% | 74.01% | 77.13% | 71.79% | -958 bps | |
| Non-Interest Burden | 3.07% | 2.68% | 3.15% | 2.81% | 2.67% | 2.58% | 2.74% | 2.56% | -25 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 | 0.00% | 0.00% | 0.01% | -0.01% | 0.00% | 0.00% | -0.02% | 0.00% | +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 | |