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

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 -2.4% year over year ($2.2B on the books).
Delinquency rate 4.24%.
Return on assets 0.67%.
Efficiency ratio 70.67% vs a 59.73% peer average.
Loan-to-deposit ratio 121.96% 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) →

Industrial and Commercial Bank of China USA, National Association faces 8 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

- Flatlined Growth: Bottom 7.4% in tier
- Liquidity Overhang: Bottom 14.0% in tier
- Liquidity Strain: Bottom 48.2% in tier
- Delinquency Rate 3.37% above tier average
- Nonperforming Asset Ratio 3.48% above tier average
- Non-Interest Income / Assets 0.46% below tier average
- ROA 0.73% below tier average
- Net Interest Margin 0.65% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$2.9B -0.7% YoY -0.2% QoQ	+$66.5M	$2.8B -0.6% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	68%
Total Loans ?	$2.7B -0.6% YoY -0.1% QoQ	+$729.5M	$2.0B -0.3% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	79%
Total Deposits ?	$2.2B -2.4% YoY -2.9% QoQ	-$111.0M	$2.3B -0.5% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	64%
Return on Assets ?	0.67% +33.8% YoY +28.8% QoQ	-0.73%	1.39% +17.0% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	Bottom 12.3% in tier
Net Interest Margin ?	3.22% +10.0% YoY +6.3% QoQ	-0.65%	3.87% +6.2% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	23%
Efficiency Ratio ?	70.67% -6.3% YoY -6.2% QoQ	+10.94%	59.73% -12.6% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	19%
Delinquency Rate ?	4.24% -4.7% YoY +0.7% QoQ	+3.37%	0.87% +11.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	Bottom 1.7% in tier
Loan-to-Deposit Ratio ?	121.96% +1.8% YoY +2.9% QoQ	+36.92%	85.04% -0.1% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	Bottom 1.9% in tier
Non-Interest-Bearing Deposit Share ?	17.63% +33.7% YoY +7.6% QoQ	-3.64%	21.27% -1.5% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	38%
Nonperforming Asset Ratio ?	4.16% -0.6% YoY +1.0% QoQ	+3.48%	0.67% +11.7% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	Bottom 0.6% in tier
Tier 1 Capital Ratio ?	17.53% +4.4% YoY +1.8% QoQ	+2.69%	14.84% -0.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	Top 12.7% in tier
Non-Interest Income / Assets ?	0.06% +31.8% YoY +184.8% QoQ	-0.46%	0.53% +2.5% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	Bottom 4.6% 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	17.6% +4.4pp YoY +1.2pp QoQ	-3.7pp	21.4%	22.1%	22.2%	37%
Brokered Deposits	17.8% -16.0pp YoY -4.4pp QoQ	+8.3pp	9.5%	8.0%	8.5%	87%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	43.5% +5.1pp YoY +3.3pp QoQ	+29.5pp	14.0%	11.0%	12.5%	97%
CRE	35.3% -2.0pp YoY -2.3pp QoQ	-14.8pp	50.0%	46.2%	41.4%	16%
1-4 Family	21.5% -3.1pp YoY -1.0pp QoQ	-5.0pp	26.4%	36.6%	31.3%	45%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	5.1%	5.0%	4%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	17.5% +0.7pp YoY +0.3pp QoQ	+1.9pp	15.6%	26.1%	19.7%	85%
Leverage Ratio	17.3% +0.5pp YoY +0.3pp QoQ	+5.9pp	11.3%	13.9%	12.6%	96%
Total Capital Ratio	18.3% +0.7pp YoY +0.3pp QoQ	+1.6pp	16.7%	27.2%	20.8%	83%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	289 -4 (-1.4%) YoY +1 (+0.3%) QoQ	-25	313	914	482	63%
Assets per Employee ($)	$9.9M +0.6% YoY -0.5% QoQ	-$586K	$10.5M	$14.8M	$8.8M	64%
Branch Count	14 0 YoY 0 QoQ	-6	20	27	18	46%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	0.0%	-0.2pp	0.2%	0.1%	0.4%	0%
Nonaccrual	4.2% -0.2pp YoY 0.0pp QoQ	+3.4pp	0.8%	1.3%	1.0%	99%
Allowance Coverage	0.18x +4.3% YoY -0.6% QoQ	-18.53x	18.71x	1.92x	20.23x	1%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	18%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	3.9% +0.9pp YoY +0.8pp QoQ	-8.7pp	12.6%	7.9%	11.6%	5%
Cost of Funds (YTD)	2.3% -0.4pp YoY -0.1pp QoQ	+0.4pp	1.9%	1.8%	1.7%	78%
Net Income ($, YTD)	$9.6M +35.2% YoY — QoQ	-$9.7M	$19.2M	$111.2M	$40.4M	38%

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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 (3)

Flatlined Growth

risk

#13 of 162 • Bottom 7.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.67%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ

Liquidity Overhang

risk

#25 of 172 • Bottom 14.0% 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: 17.53%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 121.96%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#175 of 361 • Bottom 48.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 121.96%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (2 metrics)

113

Tier 1 Capital Ratio

capital

Value: 17.53%

Peer Median: 14.84%

#113 of 885 Top 12.7% in $1B-$10B

188

Total Loans

size

Value: $2.69B

Peer Median: $1.96B

#188 of 885 Top 21.1% in $1B-$10B

Top Weaknesses (7 metrics)

881

Nonperforming Asset Ratio

credit_quality

Value: 4.16%

Peer Median: 0.67%

#881 of 885 Bottom 0.6% in $1B-$10B

868

Delinquency Rate

credit_quality

Value: 4.24%

Peer Median: 0.87%

#868 of 882 Bottom 1.7% in $1B-$10B

869

Loan-to-Deposit Ratio

liquidity

Value: 121.96%

Peer Median: 85.04%

#869 of 885 Bottom 1.9% in $1B-$10B

845

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.53%

#845 of 885 Bottom 4.6% in $1B-$10B

777

Return on Assets

profitability

Value: 0.67%

Peer Median: 1.39%

#777 of 885 Bottom 12.3% in $1B-$10B

714

Efficiency Ratio

profitability

Value: 70.67%

Peer Median: 59.73%

#714 of 885 Bottom 19.4% in $1B-$10B

686

Net Interest Margin

profitability

Value: 3.22%

Peer Median: 3.87%

#686 of 885 Bottom 22.6% in $1B-$10B