BlastPoint's Banking Scorecard

Woori America Bank

$1B-$10B Specialty: Commercial NY FDIC cert 24920

Designations: ✓ Minority Depository Institution

New York, NY

22 branches across CA · NY · NJ · TX · VA · GA · MD · PA

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 +7.6% year over year ($3.5B on the books).
Delinquency rate 1.95%.
Return on assets 0.72%.
Efficiency ratio 53.86% vs a 59.73% peer average.
Loan-to-deposit ratio 86.16% 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) →

Woori America Bank has 1 strength but faces 4 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

+ Efficiency Ratio 5.87% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 43.0% in tier
- Delinquency Rate 1.08% above tier average
- ROA 0.67% below tier average
- Net Interest Margin 0.94% below tier average

Get updates when Woori America Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$4.1B +6.2% YoY +1.8% QoQ	+$1.3B	$2.8B -0.6% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	81%
Total Loans ?	$3.0B +0.6% YoY +1.6% QoQ	+$1.1B	$2.0B -0.3% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	83%
Total Deposits ?	$3.5B +7.6% YoY +1.8% QoQ	+$1.2B	$2.3B -0.5% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	82%
Return on Assets ?	0.72% -19.7% YoY +91.2% QoQ	-0.67%	1.39% +17.0% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	Bottom 14.9% in tier
Net Interest Margin ?	2.93% +2.5% YoY +0.7% QoQ	-0.94%	3.87% +6.2% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	Bottom 12.4% in tier
Efficiency Ratio ?	53.86% -4.6% YoY -7.5% QoQ	-5.87%	59.73% -12.6% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	66%
Delinquency Rate ?	1.95% +548.7% YoY +143.6% QoQ	+1.08%	0.87% +11.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	Bottom 9.3% in tier
Loan-to-Deposit Ratio ?	86.16% -6.5% YoY -0.2% QoQ	+1.12%	85.04% -0.1% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	53%
Non-Interest-Bearing Deposit Share ?	32.67% +1.9% YoY +6.0% QoQ	+11.40%	21.27% -1.5% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	Top 10.6% in tier
Nonperforming Asset Ratio ?	1.44% +514.7% YoY +143.0% QoQ	+0.76%	0.67% +11.7% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	Bottom 11.5% in tier
Tier 1 Capital Ratio ?	18.34% +7.1% YoY -1.5% QoQ	+3.50%	14.84% -0.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	Top 10.6% in tier
Non-Interest Income / Assets ?	0.17% +17.2% YoY +214.5% QoQ	-0.35%	0.53% +2.5% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	25%

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	32.7% +0.6pp YoY +1.9pp QoQ	+11.3pp	21.4%	22.1%	22.2%	89%
Brokered Deposits	n/a	n/a	9.5%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	17.4% -1.8pp YoY +0.6pp QoQ	+3.4pp	14.0%	11.0%	12.5%	74%
CRE	58.4% -1.0pp YoY -0.3pp QoQ	+8.4pp	50.0%	46.2%	41.4%	72%
1-4 Family	25.8% +3.2pp YoY -0.2pp QoQ	-0.6pp	26.4%	36.6%	31.3%	57%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	5.1%	5.0%	8%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	18.3% +1.2pp YoY -0.3pp QoQ	+2.7pp	15.6%	26.1%	19.7%	88%
Leverage Ratio	12.8% -0.3pp YoY -0.4pp QoQ	+1.5pp	11.3%	13.9%	12.6%	83%
Total Capital Ratio	19.6% +1.2pp YoY -0.3pp QoQ	+2.9pp	16.7%	27.2%	20.8%	88%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	288 -3 (-1.0%) YoY -2 (-0.7%) QoQ	-26	313	914	482	63%
Assets per Employee ($)	$14.3M +7.3% YoY +2.6% QoQ	+$3.8M	$10.5M	$14.8M	$8.8M	87%
Branch Count	22 +1 (+4.8%) YoY 0 QoQ	+2	20	27	18	70%

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	1.9% +1.6pp YoY +1.1pp QoQ	+1.1pp	0.8%	1.3%	1.0%	92%
Allowance Coverage	0.85x -79.5% YoY -57.8% QoQ	-17.86x	18.71x	1.92x	20.23x	18%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	38%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	5.5% -1.5pp YoY +2.6pp QoQ	-7.1pp	12.6%	7.9%	11.6%	10%
Cost of Funds (YTD)	2.1% -0.2pp YoY 0.0pp QoQ	+0.2pp	1.9%	1.8%	1.7%	67%
Net Income ($, YTD)	$14.6M -15.2% YoY — QoQ	-$4.6M	$19.2M	$111.2M	$40.4M	59%

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

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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 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 (1)

Liquidity Overhang

risk

#75 of 172 • Bottom 43.0% 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: 18.34%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 86.16%

(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 declining

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 (5 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 32.67%

Peer Median: 21.27%

#95 of 885 Top 10.6% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 18.34%

Peer Median: 14.84%

#95 of 885 Top 10.6% in $1B-$10B

154

Total Loans

size

Value: $3.04B

Peer Median: $1.96B

#154 of 885 Top 17.3% in $1B-$10B

157

Total Deposits

size

Value: $3.53B

Peer Median: $2.32B

#157 of 885 Top 17.6% in $1B-$10B

167

Total Assets

size

Value: $4.12B

Peer Median: $2.79B

#167 of 885 Top 18.8% in $1B-$10B

Top Weaknesses (4 metrics)

801

Delinquency Rate

credit_quality

Value: 1.95%

Peer Median: 0.87%

#801 of 882 Bottom 9.3% in $1B-$10B

784

Nonperforming Asset Ratio

credit_quality

Value: 1.44%

Peer Median: 0.67%

#784 of 885 Bottom 11.5% in $1B-$10B

776

Net Interest Margin

profitability

Value: 2.93%

Peer Median: 3.87%

#776 of 885 Bottom 12.4% in $1B-$10B

754

Return on Assets

profitability

Value: 0.72%

Peer Median: 1.39%

#754 of 885 Bottom 14.9% in $1B-$10B