BlastPoint's Banking Scorecard
CTBC Bank Corp. (USA)
Designations: ✓ Minority Depository Institution
Los Angeles, CA
20 branches across CA · NY · NJ
CTBC Bank Corp. (USA) has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.50% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 26.3% in tier
- - ROA 0.44% below tier average
- - Net Interest Margin 0.87% below tier average
- - Delinquency Rate 0.72% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.4B
+3.8% YoY
-3.8% QoQ
|
+$2.6B |
$2.8B
-0.1% YoY
|
$4.8B
+7.6% YoY
|
$6.2B
+9.0% YoY
|
Top 13.5% in tier |
| Total Loans ? |
$4.4B
+3.8% YoY
+2.2% QoQ
|
+$2.4B |
$2.0B
+0.6% YoY
|
$3.3B
+8.3% YoY
|
$3.2B
+10.7% YoY
|
Top 10.0% in tier |
| Total Deposits ? |
$4.5B
+3.3% YoY
-4.6% QoQ
|
+$2.2B |
$2.3B
-0.3% YoY
|
$3.9B
+6.9% YoY
|
$4.8B
+8.0% YoY
|
Top 12.7% in tier |
| Return on Assets ? |
0.93%
+25.6% YoY
+11.4% QoQ
|
-0.44% |
1.37%
+19.6% YoY
|
1.75%
+28.6% YoY
|
1.24%
+13.1% YoY
|
28% |
| Net Interest Margin ? |
2.95%
+2.7% YoY
-1.2% QoQ
|
-0.87% |
3.82%
+6.9% YoY
|
3.80%
+3.1% YoY
|
3.89%
+5.7% YoY
|
Bottom 14.8% in tier |
| Efficiency Ratio ? |
57.55%
-7.1% YoY
-1.5% QoQ
|
-3.50% |
61.05%
-4.6% YoY
|
69.04%
-8.1% YoY
|
66.84%
-3.8% YoY
|
57% |
| Delinquency Rate ? |
1.61%
+523.1% YoY
+121.2% QoQ
|
+0.72% |
0.89%
+14.1% YoY
|
1.18%
+69.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.9% in tier |
| Loan-to-Deposit Ratio ? |
95.72%
+0.4% YoY
+7.1% QoQ
|
+11.51% |
84.20%
+0.3% YoY
|
85.63%
+2.0% YoY
|
76.69%
+0.9% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
14.46%
-2.6% YoY
-0.7% QoQ
|
-6.83% |
21.28%
-2.5% YoY
|
24.99%
-4.4% YoY
|
22.01%
-1.1% YoY
|
25% |
| Nonperforming Asset Ratio ? |
1.30%
+328.0% YoY
+102.8% QoQ
|
+0.63% |
0.67%
+15.6% YoY
|
0.92%
+66.1% YoY
|
0.66%
+19.3% YoY
|
Bottom 13.5% in tier |
| Tier 1 Capital Ratio ? |
14.31%
+0.8% YoY
+2.9% QoQ
|
-0.85% |
15.17%
+2.0% YoY
|
21.06%
-3.6% YoY
|
17.06%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.10%
+24.4% YoY
-66.5% QoQ
|
-0.16% |
0.26%
+1.6% YoY
|
0.69%
+11.1% YoY
|
0.32%
+4.0% YoY
|
33% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.