BlastPoint's Banking Scorecard
Shinhan Bank America
Designations: ✓ Community bank ✓ Minority Depository Institution
New York, NY
14 branches across CA · NY · GA · NJ · TX
Shinhan Bank America has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 24.44% above tier average
- + Delinquency Rate 0.33% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 19.5% in tier
- - Non-Interest Income / Assets 0.22% below tier average
- - ROA 0.78% below tier average
- - Efficiency Ratio 16.07% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+8.3% YoY
+4.0% QoQ
|
-$842.9M |
$2.8B
-0.1% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
49% |
| Total Loans ? |
$1.7B
+12.1% YoY
+4.7% QoQ
|
-$237.7M |
$2.0B
+0.6% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
61% |
| Total Deposits ? |
$1.7B
+5.5% YoY
+4.9% QoQ
|
-$678.5M |
$2.3B
-0.3% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
50% |
| Return on Assets ? |
0.58%
+38.9% QoQ
|
-0.78% |
1.37%
+19.6% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.4% in tier |
| Net Interest Margin ? |
3.83%
+19.8% YoY
+4.2% QoQ
|
+0.01% |
3.82%
+6.9% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
62% |
| Efficiency Ratio ? |
77.13%
-23.7% YoY
-5.5% QoQ
|
+16.07% |
61.06%
-4.6% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.7% in tier |
| Delinquency Rate ? |
0.55%
-25.1% YoY
+23.9% QoQ
|
-0.33% |
0.89%
+14.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
103.75%
+6.3% YoY
-0.2% QoQ
|
+19.54% |
84.20%
+0.3% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 8.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
45.72%
+11.3% YoY
+10.2% QoQ
|
+24.44% |
21.29%
-2.5% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
Top 2.7% in tier |
| Nonperforming Asset Ratio ? |
0.49%
-22.5% YoY
+24.8% QoQ
|
-0.19% |
0.67%
+15.6% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
46% |
| Tier 1 Capital Ratio ? |
17.77%
+21.6% YoY
+0.0% QoQ
|
+2.61% |
15.16%
+2.0% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
Top 12.4% in tier |
| Non-Interest Income / Assets ? |
0.04%
-7.1% YoY
-78.4% QoQ
|
-0.22% |
0.26%
+1.6% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
Bottom 5.9% in tier |
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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 (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.