BlastPoint's Banking Scorecard

Industrial and Commercial Bank of China USA, National Association

$1B-$10B Specialty: Commercial NY FDIC cert 24387

New York, NY

14 branches across CA · NY

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

Industrial and Commercial Bank of China USA, National Association faces 7 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 6.9% in tier
- Liquidity Overhang: Bottom 19.0% in tier
- Return on Assets 0.85% below tier average
- Nonperforming Asset Ratio 3.44% above tier average
- Non-Interest Income / Assets 0.24% below tier average
- Net Interest Margin 0.79% below tier average
- Efficiency Ratio 14.31% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$2.9B +3.2% YoY -1.3% QoQ	+$49.3M	$2.8B -0.1% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	68%
Total Loans ?	$2.7B +2.5% YoY -0.9% QoQ	+$730.9M	$2.0B +0.6% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	79%
Total Deposits ?	$2.3B +8.7% YoY +2.8% QoQ	-$69.4M	$2.3B -0.3% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	66%
Return on Assets ?	0.52% +5.8% YoY -0.6% QoQ	-0.85%	1.37% +19.6% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	Bottom 9.4% in tier
Net Interest Margin ?	3.03% +3.5% YoY +1.4% QoQ	-0.79%	3.82% +6.9% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	19%
Efficiency Ratio ?	75.37% -0.7% YoY -0.5% QoQ	+14.31%	61.06% -4.6% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Bottom 13.9% in tier
Delinquency Rate ?	4.21% +2.1% YoY -3.6% QoQ	+3.32%	0.89% +14.1% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	Bottom 1.6% in tier
Loan-to-Deposit Ratio ?	118.55% -5.7% YoY -3.6% QoQ	+34.35%	84.20% +0.3% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	Bottom 2.5% in tier
Non-Interest-Bearing Deposit Share ?	16.39% +16.9% YoY -4.6% QoQ	-4.90%	21.29% -2.5% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	33%
Nonperforming Asset Ratio ?	4.12% +5.4% YoY +0.6% QoQ	+3.44%	0.67% +15.6% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	Bottom 0.7% in tier
Tier 1 Capital Ratio ?	17.23% +0.0% YoY +1.0% QoQ	+2.07%	15.16% +2.0% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	Top 14.0% in tier
Non-Interest Income / Assets ?	0.02% +2.3% YoY -77.3% QoQ	-0.24%	0.26% +1.6% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	Bottom 3.3% 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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#30 of 420 • Bottom 6.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#34 of 174 • Bottom 19.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 17.23%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 118.55%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 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).

Compare against:

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

Top Strengths (2 metrics)

125

Tier 1 Capital Ratio

capital

Value: 17.23%

Peer Median: 15.16%

#125 of 884 Top 14.0% in $1B-$10B

187

Total Loans

size

Value: $2.70B

Peer Median: $1.96B

#187 of 884 Top 21.0% in $1B-$10B

Top Weaknesses (7 metrics)

879

Nonperforming Asset Ratio

credit_quality

Value: 4.12%

Peer Median: 0.67%

#879 of 884 Bottom 0.7% in $1B-$10B

867

Delinquency Rate

credit_quality

Value: 4.21%

Peer Median: 0.89%

#867 of 880 Bottom 1.6% in $1B-$10B

863

Loan-to-Deposit Ratio

liquidity

Value: 118.55%

Peer Median: 84.20%

#863 of 884 Bottom 2.5% in $1B-$10B

856

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.26%

#856 of 884 Bottom 3.3% in $1B-$10B

802

Return on Assets

profitability

Value: 0.52%

Peer Median: 1.37%

#802 of 884 Bottom 9.4% in $1B-$10B

762

Efficiency Ratio

profitability

Value: 75.37%

Peer Median: 61.06%

#762 of 884 Bottom 13.9% in $1B-$10B

721

Net Interest Margin

profitability

Value: 3.03%

Peer Median: 3.82%

#721 of 884 Bottom 18.6% in $1B-$10B