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Mizuho Bank (USA)

$1B-$10B Specialty: Other NY FDIC cert 21843

Designations: ✓ Community bank

New York, NY

2 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
  • Deposits -66.4% year over year ($1.7B on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.22%.
  • Efficiency ratio 93.09% vs a 59.73% peer average.
  • Loan-to-deposit ratio 22.94% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 40 in NY
View $1B-$10B leaderboard (NY) →

Mizuho Bank (USA) has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 25.2% in tier
  • + Delinquency Rate 0.87% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 0.8% in tier
  • - NIB Deposit Bleed: Bottom 41.3% in tier
  • - Net Interest Margin 1.42% below tier average
  • - Efficiency Ratio 33.36% above tier average
  • - ROA 0.17% below tier average
Get updates when Mizuho Bank (USA) releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $2.1B
-67.6% YoY -47.2% QoQ
-$655.8M $2.8B
-0.6% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
53%
Total Loans ? $398.8M
-83.6% YoY -7.0% QoQ
-$1.6B $2.0B
-0.3% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
Bottom 1.9% in tier
Total Deposits ? $1.7B
-66.4% YoY -38.5% QoQ
-$580.4M $2.3B
-0.5% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
52%
Return on Assets ? 1.22%
+14.6% YoY -11.4% QoQ
-0.17% 1.39%
+17.0% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
46%
Net Interest Margin ? 2.45%
+11.1% YoY +12.0% QoQ
-1.42% 3.87%
+6.2% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
Bottom 4.0% in tier
Efficiency Ratio ? 93.09%
+9.3% YoY +0.5% QoQ
+33.36% 59.73%
-12.6% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
Bottom 1.4% in tier
Delinquency Rate ? 0.00% -0.87% 0.87%
+11.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 22.94%
-51.3% YoY +51.2% QoQ
-62.10% 85.04%
-0.1% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
Top 1.4% in tier
Non-Interest-Bearing Deposit Share ? 18.88%
-34.2% YoY -45.5% QoQ
-2.39% 21.27%
-1.5% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
44%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+11.7% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 33.27%
+33.1% YoY -70.8% QoQ
+18.43% 14.84%
-0.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
Top 1.7% in tier
Non-Interest Income / Assets ? 14.60%
+261.9% YoY +249.9% QoQ
+14.07% 0.53%
+2.5% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
Top 0.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 18.9%
-9.8pp YoY
-15.7pp QoQ
 -2.5pp 21.4% 22.1% 22.2% 44%
Brokered Deposits 3.3%
-21.3pp YoY
-0.4pp QoQ
 -6.2pp 9.5% 8.0% 8.5% 36%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 33.0%
-3.5pp YoY
-1.2pp QoQ
 +19.0pp 14.0% 11.0% 12.5% 93%
CRE n/a n/a 50.0% 46.2% 41.4% n/a
1-4 Family n/a n/a 26.4% 36.6% 31.3% n/a
Consumer n/a n/a 4.7% 5.1% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 33.3%
+8.3pp YoY
-80.7pp QoQ
 +17.7pp 15.6% 26.1% 19.7% 98%
Leverage Ratio 7.0%
-10.0pp YoY
-15.3pp QoQ
 -4.3pp 11.3% 13.9% 12.6% 0%
Total Capital Ratio 33.6%
+8.4pp YoY
-80.7pp QoQ
 +16.9pp 16.7% 27.2% 20.8% 98%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 70
+2 (+2.9%) YoY
-1 (-1.4%) QoQ
 -244 313 914 482 3%
Assets per Employee ($) $30.5M
-68.6% YoY
-46.5% QoQ
 +$20.1M $10.5M $14.8M $8.8M 98%
Branch Count 2
0 YoY
0 QoQ
 -18 20 27 18 5%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual n/a n/a 0.8% 1.3% 1.0% n/a
Allowance Coverage n/a n/a 18.71x 1.92x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.3% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 5.0%
-1.2pp YoY
-0.2pp QoQ
 -7.5pp 12.6% 7.9% 11.6% 8%
Cost of Funds (YTD) 2.6%
-0.1pp YoY
+0.3pp QoQ
 +0.7pp 1.9% 1.8% 1.7% 87%
Net Income ($, YTD) $23.7M
-40.4% YoY
— QoQ
 +$4.5M $19.2M $111.2M $40.4M 75%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#57 of 222 • Top 25.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 14.60%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 1.22%
(Tier: 1.39%, National: 1.30%)
but worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Deposit Outflow

decline
#2 of 131 • Bottom 0.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline
#20 of 46 • Bottom 41.3% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 18.88%
(Tier: 21.27%, National: 21.98%)
worse than tier avg
46 of 46 Mid-Market banks match · 211 nationally
↓ Shrinking -26 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.87%
#1 of 882 Top 0.1% in $1B-$10B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 885 Top 0.1% in $1B-$10B
5
Non-Interest Income / Assets
revenue_mix
Value: 14.60%
Peer Median: 0.53%
#5 of 885 Top 0.5% in $1B-$10B
13
Loan-to-Deposit Ratio
liquidity
Value: 22.94%
Peer Median: 85.04%
#13 of 885 Top 1.4% in $1B-$10B
16
Tier 1 Capital Ratio
capital
Value: 33.27%
Peer Median: 14.84%
#16 of 885 Top 1.7% in $1B-$10B

Top Weaknesses (3 metrics)

874
Efficiency Ratio
profitability
Value: 93.09%
Peer Median: 59.73%
#874 of 885 Bottom 1.4% in $1B-$10B
869
Total Loans
size
Value: $398.76M
Peer Median: $1.96B
#869 of 885 Bottom 1.9% in $1B-$10B
851
Net Interest Margin
profitability
Value: 2.45%
Peer Median: 3.87%
#851 of 885 Bottom 4.0% in $1B-$10B
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