BlastPoint's Banking Scorecard
Woori America Bank
Designations: ✓ Minority Depository Institution
New York, NY
22 branches across CA · NY · NJ · TX · VA · GA · MD · PA
Woori America Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.85% below tier average
- + Delinquency Rate 0.09% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 40.8% in tier
- - Return on Assets 0.99% below tier average
- - Net Interest Margin 0.91% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.0B
+6.6% YoY
+2.2% QoQ
|
+$1.2B |
$2.8B
-0.1% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
80% |
| Total Loans ? |
$3.0B
-1.4% YoY
-0.1% QoQ
|
+$1.0B |
$2.0B
+0.6% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
82% |
| Total Deposits ? |
$3.5B
+9.4% YoY
+2.6% QoQ
|
+$1.1B |
$2.3B
-0.3% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
81% |
| Return on Assets ? |
0.38%
-51.9% YoY
-60.2% QoQ
|
-0.99% |
1.37%
+19.6% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 7.0% in tier |
| Net Interest Margin ? |
2.91%
+4.6% YoY
-0.9% QoQ
|
-0.91% |
3.82%
+6.9% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 14.0% in tier |
| Efficiency Ratio ? |
58.21%
-3.8% YoY
+5.5% QoQ
|
-2.85% |
61.06%
-4.6% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
55% |
| Delinquency Rate ? |
0.80%
+311.2% YoY
+561.9% QoQ
|
-0.09% |
0.89%
+14.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
86.29%
-9.9% YoY
-2.6% QoQ
|
+2.09% |
84.20%
+0.3% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
30.82%
-3.8% YoY
+0.5% QoQ
|
+9.53% |
21.29%
-2.5% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
Top 14.4% in tier |
| Nonperforming Asset Ratio ? |
0.59%
+280.3% YoY
+547.4% QoQ
|
-0.08% |
0.67%
+15.6% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
37% |
| Tier 1 Capital Ratio ? |
18.61%
+11.4% YoY
+1.4% QoQ
|
+3.45% |
15.16%
+2.0% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
Top 10.3% in tier |
| Non-Interest Income / Assets ? |
0.05%
-11.0% YoY
-79.7% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.1% in tier |
Get Full Access to Woori America Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.