CTBC Bank Corp. (USA)
CTBC Bank Corp. (USA) reported total assets of $5.9 bn at Q2 2026, up 10.4% on a year earlier, the 252nd largest of 497 banks in our US coverage. CTBC Bank Corp. (USA) uses the community bank leverage ratio framework, with a leverage ratio of 14.67%. CTBC Bank Corp. (USA) held deposits of $5.0 bn. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, CTBC Bank Corp. (USA) slipped from 95th to 431st among 500 US banks between and (1 = lowest; FDIC Call Reports).
- CTBC Bank Corp. (USA) has one of the highest uninsured share of domestic deposits readings among banks of $1 bn to $10 bn: 66.55% at , against a median of 32.61% across 339 banks (FDIC Call Reports).
- At 14.67%, the tier 1 leverage ratio of CTBC Bank Corp. (USA) sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 10.45% (FDIC Call Reports).
What sets CTBC Bank Corp. (USA) apart
How large is CTBC Bank Corp. (USA)?
The balance sheet of CTBC Bank Corp. (USA) at : assets $5.9 bn, deposits $5.0 bn, net loans $4.4 bn (loans equal to 87.10% of deposits). Securities make up 6.6% of total assets at CTBC Bank Corp. (USA). Since , when CTBC Bank Corp. (USA) held $2.8 bn, its assets grew 110.7%. In the year to , deposits at CTBC Bank Corp. (USA) rose 10.6% while its total assets rose 10.4%. At , CTBC Bank Corp. (USA) employed 392 full-time equivalent staff across 20 offices, about $15.0 mn of assets per employee and $250.9 mn of deposits per office.
How much funding at CTBC Bank Corp. (USA) is uninsured?
At CTBC Bank Corp. (USA), uninsured deposits (above the FDIC limit) made up 66.55% of domestic deposits at (+4.53 pp on a year earlier); CTBC Bank Corp. (USA) ranks 16th of 500 on this measure. In dollars, CTBC Bank Corp. (USA) estimated $3.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.0 bn | +10.6% | 248th of 499 |
| Net loans and leases | $4.4 bn | +2.3% | 240th of 500 |
| Loan-to-deposit ratio | 87.10% | -7.05 pp | 250th of 500 |
| Net interest margin | 2.97% | +0.03 pp | 408th of 500 |
| Return on assets (ROA) | 0.87% | +0.20 pp | 426th of 500 |
| Efficiency ratio | 59.20% | -1.03 pp | 321st of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $3.5 mn | Narrowed by $888,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $20.4 mn | Narrowed by $3.1 mn | |
| Noncurrent loans to total loans | 1.55% | +1.32 pp | 431st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.06% | +0.04 pp | 210th of 500 (1 = lowest) |
US rank of CTBC Bank Corp. (USA): 1 = highest unless marked 1 = lowest.
Balance sheet
CTBC Bank Corp. (USA): assets, deposits and loans
- Total assets $5.9bn
- Deposits $5.0bn
- Net loans $4.4bn
Capital and securities
CTBC Bank Corp. (USA) uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 14.67% in . Equity capital of CTBC Bank Corp. (USA) at : $784.2 mn, or 13.4% of total assets.
On held-to-maturity securities, CTBC Bank Corp. (USA) carried an unrealized loss of $3.5 mn at , equal to 0.4% of equity capital. The loss narrowed by $888,000 over the year. Its deepest point: $6.8 mn in . The available-for-sale portfolio of CTBC Bank Corp. (USA) showed an unrealized loss of $20.4 mn at ; the loss narrowed by $3.1 mn over the year.
CTBC Bank Corp. (USA): capital ratios
- Total capital 21%
- CET1 19%
- Tier 1 leverage 15%
CTBC Bank Corp. (USA): unrealized securities gains and losses
- Available for sale -$20mn
- Held to maturity -$3mn
Profitability and loan quality
For the year to , CTBC Bank Corp. (USA) earned a return on equity of 6.33%; return on assets: 0.87%. Net interest margin at CTBC Bank Corp. (USA): 2.97%, +0.03 pp in a year. CTBC Bank Corp. (USA) net income: $24.4 mn, up 38.2% year on year. The efficiency ratio of CTBC Bank Corp. (USA) was 59.20%: about 59 cents cost per revenue dollar, against 52 cents at the median peer.
At , noncurrent loans were 1.55% of total loans at CTBC Bank Corp. (USA); net charge-offs: 0.06% of average loans. Gross loans and leases at CTBC Bank Corp. (USA): $4.4 bn, up 2.2% in a year.
CTBC Bank Corp. (USA): profitability
- Return on equity 6.3%
- Net interest margin 3.0%
- Return on assets 0.9%
Peer group of CTBC Bank Corp. (USA)
The peer group of CTBC Bank Corp. (USA) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 4 share the charter type of CTBC Bank Corp. (USA) (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 3 have head offices in California. Against them, CTBC Bank Corp. (USA) shows return on equity 6.33% against a peer median of 14.85% and uninsured deposit share 66.55% against a peer median of 39.52%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Wilson Bank and Trust | State nonmember bank | TN | $6.0 bn | 14.35% | 14.98% | 25.36% | |
| Fremont Bank | State nonmember bank | CA | $6.0 bn | 10.69% | 14.72% | 46.30% | |
| Bank First | National bank | WI | $5.9 bn | 10.93% | 12.52% | 32.74% | |
| CTBC Bank Corp. (USA) | State nonmember bank | CA | $5.9 bn | not reported | 6.33% | 66.55% | |
| Farmers & Merchants Bank of Central California | State nonmember bank | CA | $5.8 bn | 14.74% | 15.04% | 51.44% | |
| Westamerica Bank | State member bank | CA | $5.8 bn | 16.23% | 17.41% | 49.57% | |
| Emigrant Bank | State nonmember bank | FL | $5.7 bn | 17.43% | 2.83% | 17.51% | |
. FDIC Call Reports.
Last eight quarters
Two years at CTBC Bank Corp. (USA), to : assets +11.2%, deposits +11.0%, equity +11.5%. Staff 372 to 392.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $5.3 bn | $5.2 bn | $5.2 bn | $5.3 bn | $5.5 bn | $5.6 bn | $5.4 bn | $5.9 bn |
| Total deposits | $4.5 bn | $4.5 bn | $4.4 bn | $4.5 bn | $4.7 bn | $4.8 bn | $4.5 bn | $5.0 bn |
| Bank equity capital | $703.1 mn | $709.7 mn | $721.5 mn | $730.5 mn | $744.7 mn | $760.2 mn | $771.9 mn | $784.2 mn |
| Return on equity (ROE) | 5.63% | 5.76% | 5.35% | 4.91% | 5.50% | 6.06% | 6.62% | 6.33% |
| Uninsured share of domestic deposits | 61.88% | 61.63% | 61.60% | 62.01% | 62.81% | 63.63% | 62.87% | 66.55% |
| Full-time equivalent employees | 372 | 373 | 378 | 385 | 383 | 386 | 391 | 392 |
| Number of offices | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by CTBC Bank Corp. (USA) appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of CTBC Bank Corp. (USA)?
CTBC Bank Corp. (USA) reported $5.9 bn at in its Call Report. That makes CTBC Bank Corp. (USA) the 252nd largest of 497 banks in our US coverage.
Is CTBC Bank Corp. (USA) the same as its holding company?
No. This page covers CTBC Bank Corp. (USA), FDIC certificate 19416; CTBC FINANCIAL HOLDING CO LTD (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is CTBC Bank Corp. (USA) profitable?
CTBC Bank Corp. (USA) reported net income of $24.4 mn for the year to ; annualized return on equity: 6.33%. So yes: CTBC Bank Corp. (USA) made a profit over these months.
When is data for CTBC Bank Corp. (USA) next updated?
Figures from CTBC Bank Corp. (USA) for are due after .
Where can I check the figures for CTBC Bank Corp. (USA)?
In the FDIC BankFind Suite record for certificate 19416, and in the Call Reports of CTBC Bank Corp. (USA) (RSSD ID 996260) at the FFIEC Central Data Repository.