BlastPoint's Banking Scorecard
Shinhan Bank America
Designations: ✓ Community bank ✓ Minority Depository Institution
New York, NY
14 branches across CA · NY · GA · NJ · TX
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 +18.8% year over year ($1.9B on the books).
- Delinquency rate 0.57%.
- Return on assets 0.61%.
- Efficiency ratio 74.39% vs a 59.73% peer average.
- Loan-to-deposit ratio 93.41% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Shinhan Bank America has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.72% above tier average
- + Delinquency Rate 0.30% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 34.9% in tier
- - Return on Assets 0.78% below tier average
- - Non-Interest Income / Assets 0.45% below tier average
- - Net Interest Margin 0.15% below tier average
- - Efficiency Ratio 14.66% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+14.8% YoY
+13.3% QoQ
|
-$558.6M |
$2.8B
-0.6% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
55% |
| Total Loans ? |
$1.8B
+13.3% YoY
+3.8% QoQ
|
-$169.9M |
$2.0B
-0.3% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
62% |
| Total Deposits ? |
$1.9B
+18.8% YoY
+15.3% QoQ
|
-$399.1M |
$2.3B
-0.5% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
57% |
| Return on Assets ? |
0.61%
+214.1% YoY
+5.3% QoQ
|
-0.78% |
1.39%
+17.0% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 9.8% in tier |
| Net Interest Margin ? |
3.72%
+9.9% YoY
-2.8% QoQ
|
-0.15% |
3.87%
+6.2% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
51% |
| Efficiency Ratio ? |
74.39%
-17.8% YoY
-3.6% QoQ
|
+14.66% |
59.73%
-12.6% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 13.8% in tier |
| Delinquency Rate ? |
0.57%
+21.4% YoY
+2.9% QoQ
|
-0.30% |
0.87%
+11.7% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
93.41%
-4.6% YoY
-10.0% QoQ
|
+8.38% |
85.04%
-0.1% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
39.00%
-19.3% YoY
-14.7% QoQ
|
+17.72% |
21.27%
-1.5% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
Top 5.1% in tier |
| Nonperforming Asset Ratio ? |
0.46%
+19.9% YoY
-5.7% QoQ
|
-0.22% |
0.67%
+11.7% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
17.53%
-3.6% YoY
-1.4% QoQ
|
+2.69% |
14.84%
-0.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
Top 12.8% in tier |
| Non-Interest Income / Assets ? |
0.07%
-4.2% YoY
+96.3% QoQ
|
-0.45% |
0.53%
+2.5% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 5.2% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
39.0%
-9.3pp YoY -6.7pp QoQ |
+17.6pp | 21.4% | 22.1% | 22.2% | 95% |
| Brokered Deposits |
4.7%
+4.1pp YoY +1.8pp QoQ |
-4.8pp | 9.5% | 8.0% | 8.5% | 47% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.3%
+1.4pp YoY +0.5pp QoQ |
+5.3pp | 14.0% | 11.0% | 12.5% | 79% |
| CRE | n/a | n/a | 50.0% | 46.2% | 41.4% | n/a |
| 1-4 Family |
24.1%
-0.4pp YoY 0.0pp QoQ |
-2.4pp | 26.4% | 36.6% | 31.3% | 52% |
| Consumer |
0.0%
-0.1pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 5.1% | 5.0% | 7% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.5%
-0.7pp YoY -0.2pp QoQ |
+1.9pp | 15.6% | 26.1% | 19.7% | 85% |
| Leverage Ratio |
12.5%
-0.3pp YoY -0.3pp QoQ |
+1.2pp | 11.3% | 13.9% | 12.6% | 80% |
| Total Capital Ratio |
18.5%
-0.6pp YoY -0.2pp QoQ |
+1.8pp | 16.7% | 27.2% | 20.8% | 84% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
256
-2 (-0.8%) YoY +7 (+2.8%) QoQ |
-58 | 313 | 914 | 482 | 56% |
| Assets per Employee ($) |
$8.7M
+15.7% YoY +10.2% QoQ |
-$1.8M | $10.5M | $14.8M | $8.8M | 50% |
| Branch Count |
14
0 YoY 0 QoQ |
-6 | 20 | 27 | 18 | 46% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.6%
+0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.8% | 1.3% | 1.0% | 54% |
| Allowance Coverage |
1.30x
-13.7% YoY -2.3% QoQ |
-17.41x | 18.71x | 1.92x | 20.23x | 34% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 6% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.9%
+3.2pp YoY +0.4pp QoQ |
-7.7pp | 12.6% | 7.9% | 11.6% | 7% |
| Cost of Funds (YTD) |
1.5%
-0.3pp YoY 0.0pp QoQ |
-0.4pp | 1.9% | 1.8% | 1.7% | 26% |
| Net Income ($, YTD) |
$6.3M
+248.2% YoY — QoQ |
-$13.0M | $19.2M | $111.2M | $40.4M | 18% |
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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.