BlastPoint's Banking Scorecard

Mizuho Bank (USA)

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

New York, NY

2 branches across NY

884 banks in the $1B-$10B peer group nationally 38 in NY

Mizuho Bank (USA) has 4 strengths but faces 2 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 22.6% in tier
+ Delinquency Rate 0.89% below tier average
+ Non-Interest-Bearing Deposit Share 13.33% above tier average
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.63% below tier average
- Efficiency Ratio 31.57% above tier average

Get updates when Mizuho Bank (USA) releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$4.1B -45.9% YoY -26.3% QoQ	+$1.2B	$2.8B -0.1% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	81%
Total Loans ?	$428.9M -80.7% YoY -76.2% QoQ	-$1.5B	$2.0B +0.6% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	Bottom 2.3% in tier
Total Deposits ?	$2.8B -54.0% YoY -29.5% QoQ	+$483.2M	$2.3B -0.3% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	75%
Return on Assets ?	1.38% +25.5% YoY +1.3% QoQ	+0.01%	1.37% +19.6% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	63%
Net Interest Margin ?	2.19% +9.4% YoY -6.2% QoQ	-1.63%	3.82% +6.9% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	Bottom 2.6% in tier
Efficiency Ratio ?	92.63% +10.4% YoY +11.3% QoQ	+31.57%	61.06% -4.6% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Bottom 2.0% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +14.1% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	15.17% -58.0% YoY -66.2% QoQ	-69.03%	84.20% +0.3% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	Top 1.0% in tier
Non-Interest-Bearing Deposit Share ?	34.62% +56.5% YoY +21.9% QoQ	+13.33%	21.29% -2.5% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	Top 9.7% in tier
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +15.6% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	113.99% +335.9% YoY +263.1% QoQ	+98.83%	15.16% +2.0% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	Top 0.3% in tier
Non-Interest Income / Assets ?	4.17% +147.5% YoY -61.6% QoQ	+3.91%	0.26% +1.6% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	Top 0.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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

#51 of 221 • Top 22.6% 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: 4.17%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.38%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 880 Top 0.1% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 884 Top 0.1% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 113.99%

Peer Median: 15.16%

#4 of 884 Top 0.3% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 4.17%

Peer Median: 0.26%

#6 of 884 Top 0.6% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 15.17%

Peer Median: 84.20%

#10 of 884 Top 1.0% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 34.62%

Peer Median: 21.29%

#87 of 884 Top 9.7% in $1B-$10B

172

Total Assets

size

Value: $4.05B

Peer Median: $2.82B

#172 of 884 Top 19.3% in $1B-$10B

Top Weaknesses (3 metrics)

867

Efficiency Ratio

profitability

Value: 92.63%

Peer Median: 61.06%

#867 of 884 Bottom 2.0% in $1B-$10B

865

Total Loans

size

Value: $428.88M

Peer Median: $1.96B

#865 of 884 Bottom 2.3% in $1B-$10B

862

Net Interest Margin

profitability

Value: 2.19%

Peer Median: 3.82%

#862 of 884 Bottom 2.6% in $1B-$10B