CTBC Bank Corp. (USA)
CTBC Bank Corp. (USA) reported total assets of $5.9 bn at Q2 2026, up 10.4% from a year earlier. It uses the community bank leverage ratio framework, with a tier 1 leverage ratio of 14.67%, and an estimated 66.55% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Uninsured share of domestic deposits: up 3.68 pp on Q1 2026, to 66.55%
- Total deposits: up 10.4% on Q1 2026, to $5.0 bn
- Total assets: up 9.4% on Q1 2026, to $5.9 bn
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about CTBC Bank Corp. (USA)?
Against its six size peers, its uninsured share of domestic deposits stands out most: 66.55% at Q2 2026, above the peer median of 39.52%. By efficiency ratio it moved from 269th to 321st among 500 banks between Q1 2026 and Q2 2026 (1 = lowest). Its uninsured share of domestic deposits of 66.55% at Q2 2026 is in the highest 5% of the 500 banks reporting it (rank 16 of 500, 1 = highest).
How large is CTBC Bank Corp. (USA)?
At Q2 2026 the bank held $5.9 bn of assets. Deposits were $5.0 bn and net loans and leases $4.4 bn, a loan-to-deposit ratio of 87.10%. Securities of $387.2 mn made up 6.6% of assets.
Total assets rose 110.7% between Q1 2016 and Q2 2026, from $2.8 bn.
How much of its funding is uninsured?
An estimated 66.55% of domestic deposits were above the FDIC insurance limit at Q2 2026, +3.68 pp from the previous quarter and +4.53 pp from a year earlier. That share ranks 16th among 500 banks reporting this metric (1 = highest).
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $5.9 bn | +10.4% | 252nd of 497 |
| Total deposits | $5.0 bn | +10.6% | 248th of 499 |
| Net loans and leases | $4.4 bn | +2.3% | 240th of 500 |
| Bank equity capital | $784.2 mn | +7.4% | 215th of 498 |
| Tier 1 leverage ratio | 14.67% | +0.61 pp | 27th of 500 |
| Return on equity (ROE) | 6.33% | +1.42 pp | 445th of 500 |
| Net interest margin | 2.97% | +0.03 pp | 408th of 500 |
| Uninsured share of domestic deposits | 66.55% | +4.53 pp | 16th of 500 |
| Unrealized gain/loss on held-to-maturity securities | Loss of $3.5 mn | Narrowed by $888,000 | |
| 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: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026.
- Total assets $5.9bn
- Deposits $5.0bn
- Net loans $4.4bn
Capital and securities
The bank uses the community bank leverage ratio framework, so it does not report risk-based capital ratios. Its tier 1 leverage ratio was 14.67% at Q2 2026, +0.61 pp from a year earlier. The median tier 1 leverage ratio of the size peers listed below was 10.56% at Q2 2026.
Held-to-maturity securities had an unrealized loss of $3.5 mn at Q2 2026, measured as fair value minus amortized cost, equal to 0.4% of bank equity capital. The loss narrowed by $888,000 from a year earlier. The largest unrealized loss on these securities was $6.8 mn at Q3 2023. Available-for-sale securities showed an unrealized loss of $20.4 mn at Q2 2026; the loss narrowed by $3.1 mn from a year earlier.
Capital ratios
- Total capital 21%
- CET1 19%
- Tier 1 leverage 15%
Unrealized gains and losses on securities
- Available for sale -$20mn
- Held to maturity -$3mn
Profitability and loan quality
Return on equity was 6.33% for the year to Q2 2026, annualized, with a return on assets of 0.87% and a net interest margin of 2.97%. The margin was +0.03 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 59.20%. Net income for the year to Q2 2026 was $24.4 mn, up 38.2% on the same period a year earlier. The median return on equity of its size peers was 14.85% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 1.55% of total loans at Q2 2026. Net charge-offs for the year to date were 0.06% of average loans, annualized.
Profitability
- Return on equity 6.3%
- Net interest margin 3.0%
- Return on assets 0.9%
Compared with banks of similar size
The six banks ranked closest to CTBC Bank Corp. (USA) by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, CTBC Bank Corp. (USA) is 4th by total assets. Its tier 1 leverage ratio of 14.67% compares with a peer median of 10.56%, its return on equity of 6.33% compares with a peer median of 14.85%, and its uninsured share of deposits of 66.55% compares with a peer median of 39.52%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| Wilson Bank and Trust | $6.0 bn | 14.35% | 14.98% | 25.36% | |
| Fremont Bank | $6.0 bn | 10.69% | 14.72% | 46.30% | |
| Bank First | $5.9 bn | 10.93% | 12.52% | 32.74% | |
| CTBC Bank Corp. (USA) | $5.9 bn | not reported | 6.33% | 66.55% | |
| Farmers & Merchants Bank of Central California | $5.8 bn | 14.74% | 15.04% | 51.44% | |
| Westamerica Bank | $5.8 bn | 16.23% | 17.41% | 49.57% | |
| Emigrant Bank | $5.7 bn | 17.43% | 2.83% | 17.51% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 14.54%, return on equity 14.85%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
CTBC Bank Corp. (USA), as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets rose 11.2% to $5.9 bn, deposits rose 11.0% to $5.0 bn and bank equity capital rose 11.5% to $784.2 mn. Over the same period its full-time equivalent staff went from 372 to 392 and its offices went from 20 to 20.
| 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 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
The FDIC history records no mergers or acquisitions for CTBC Bank Corp. (USA) since Q1 2016, and its total assets never moved more than 25% in one quarter.
Identifiers and sources
- FDIC certificate
- 19416
- Federal Reserve RSSD ID
- 996260
- Head office
- Los Angeles, California
- Holding company
- CTBC FINANCIAL HOLDING CO LTD (as reported to the FDIC)
- Holding company RSSD ID
- 3080209
- EconoMonitor ID
- EMB-US-000373
Frequently asked questions
What were CTBC Bank Corp. (USA)'s total assets?
$5.9 bn at Q2 2026, according to its Call Report as published by the FDIC. By total assets it ranks 252nd among 497 banks reporting this metric (1 = highest).
Is CTBC Bank Corp. (USA) the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 19416). Its holding company, CTBC FINANCIAL HOLDING CO LTD (as reported to the FDIC), reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after CTBC Bank Corp. (USA) files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 19416, and in the Call Reports filed under RSSD ID 996260 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.