Industrial and Commercial Bank of China USA
Industrial and Commercial Bank of China USA reported total assets of $2.9 bn at Q2 2026, down 0.7% on a year earlier. The CET1 capital ratio at Industrial and Commercial Bank of China USA was 17.53%, and the uninsured share of Industrial and Commercial Bank of China USA was 37.25%. Source: FDIC Call Reports.
Key takeaways
- On uninsured share of domestic deposits, Industrial and Commercial Bank of China USA climbed from 401st to 226th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Industrial and Commercial Bank of China USA has one of the highest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 4.20% at , against a median of 0.58% across 339 banks (FDIC Call Reports).
- At 121.96%, the loan-to-deposit ratio of Industrial and Commercial Bank of China USA sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 88.61% (FDIC Call Reports).
What sets Industrial and Commercial Bank of China USA apart
- Few banks of $1 bn to $10 bn report a higher tier 1 leverage ratio than Industrial and Commercial Bank of China USA, at 17.26% in against a group median of 10.45%.
- Industrial and Commercial Bank of China USA reports one of the lowest return on equity (ROE) readings among banks of $1 bn to $10 bn: 3.88% at , where the median of the 339 banks is 12.68%.
How large is Industrial and Commercial Bank of China USA?
The balance sheet of Industrial and Commercial Bank of China USA at : assets $2.9 bn, deposits $2.2 bn, net loans $2.7 bn (loans equal to 121.96% of deposits). Securities make up 0.3% of total assets at Industrial and Commercial Bank of China USA. Since , when Industrial and Commercial Bank of China USA held $1.9 bn, its assets grew 49.8%. In the year to , deposits at Industrial and Commercial Bank of China USA fell 2.4% while its total assets fell 0.7%. At , Industrial and Commercial Bank of China USA employed 289 full-time equivalent staff across 14 offices, about $9.9 mn of assets per employee and $157.7 mn of deposits per office.
How much funding at Industrial and Commercial Bank of China USA is uninsured?
At Industrial and Commercial Bank of China USA, uninsured deposits (above the FDIC limit) made up 37.25% of domestic deposits at (+14.00 pp on a year earlier); Industrial and Commercial Bank of China USA ranks 226th of 500 on this measure. In dollars, Industrial and Commercial Bank of China USA estimated $822.3 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.2 bn | -2.4% | 475th of 499 |
| Net loans and leases | $2.7 bn | -0.6% | 343rd of 500 |
| Loan-to-deposit ratio | 121.96% | +2.14 pp | 11th of 500 |
| Tier 1 leverage ratio | 17.26% | +0.48 pp | 15th of 500 |
| Total risk-based capital ratio | 18.27% | +0.74 pp | 65th of 448 |
| Net interest margin | 3.22% | +0.29 pp | 367th of 500 |
| Return on assets (ROA) | 0.67% | +0.17 pp | 452nd of 500 |
| Efficiency ratio | 70.67% | -4.71 pp | 440th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $1.1 mn | Narrowed by $146,000 | |
| Noncurrent loans to total loans | 4.20% | -0.21 pp | 493rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | -0.04 pp | 66th of 500 (1 = lowest) |
US rank of Industrial and Commercial Bank of China USA: 1 = highest unless marked 1 = lowest.
Balance sheet
Industrial and Commercial Bank of China USA: assets, deposits and loans
- Total assets $2.9bn
- Deposits $2.2bn
- Net loans $2.7bn
Capital and securities
The CET1 ratio of Industrial and Commercial Bank of China USA stood at 17.53% in , +0.74 pp year on year. Low and high at Industrial and Commercial Bank of China USA since : 13.61% () to 18.06% (). Equity capital of Industrial and Commercial Bank of China USA at : $498.5 mn, or 17.4% of total assets. Industrial and Commercial Bank of China USA also reported a total capital ratio of 18.27% for , and a tier 1 leverage ratio of 17.26%.
On held-to-maturity securities, Industrial and Commercial Bank of China USA carried an unrealized loss of $1.1 mn at , equal to 0.2% of equity capital. The loss narrowed by $146,000 over the year. Its deepest point: $1.7 mn in .
Industrial and Commercial Bank of China USA: capital ratios
- Total capital 18%
- CET1 18%
- Tier 1 leverage 17%
Industrial and Commercial Bank of China USA: unrealized securities gains and losses
- Available for sale $0
- Held to maturity -$1mn
Profitability and loan quality
For the year to , Industrial and Commercial Bank of China USA earned a return on equity of 3.88%; return on assets: 0.67%. Net interest margin at Industrial and Commercial Bank of China USA: 3.22%, +0.29 pp in a year. Industrial and Commercial Bank of China USA net income: $9.6 mn, up 35.2% year on year. The efficiency ratio of Industrial and Commercial Bank of China USA was 70.67%: about 71 cents cost per revenue dollar, against 71 cents at the median peer.
At , noncurrent loans were 4.20% of total loans at Industrial and Commercial Bank of China USA; net charge-offs: 0.00% of average loans. Gross loans and leases at Industrial and Commercial Bank of China USA: $2.7 bn, down 0.6% in a year.
Industrial and Commercial Bank of China USA: profitability
- Return on equity 3.9%
- Net interest margin 3.2%
- Return on assets 0.7%
Peer group of Industrial and Commercial Bank of China USA
The peer group of Industrial and Commercial Bank of China USA is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Industrial and Commercial Bank of China USA (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in New York. Against them, Industrial and Commercial Bank of China USA shows CET1 ratio 17.53% against a peer median of 13.91%, return on equity 3.88% against a peer median of 9.80% and uninsured deposit share 37.25% against a peer median of 45.06%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| BayCoast Bank | State-chartered stock savings bank | MA | $2.9 bn | 10.77% | 5.65% | 32.75% | |
| WebBank | State nonmember bank | UT | $2.9 bn | 18.10% | 28.37% | 13.87% | |
| Bank Independent | State member bank | AL | $2.9 bn | 13.22% | 6.52% | 42.85% | |
| Industrial and Commercial Bank of China USA | National bank | NY | $2.9 bn | 17.53% | 3.88% | 37.25% | |
| ANB Bank | State member bank | CO | $2.9 bn | 14.59% | 13.09% | 47.27% | |
| Lakeside Bank | State nonmember bank | IL | $2.9 bn | 12.41% | 17.28% | 51.67% | |
| American Momentum Bank | State nonmember bank | TX | $2.8 bn | 24.90% | 5.78% | 47.53% | |
. FDIC Call Reports.
Last eight quarters
Two years at Industrial and Commercial Bank of China USA, to : assets -1.9%, deposits +0.4%, equity +6.1%. Staff 285 to 289.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.9 bn | $2.9 bn | $2.8 bn | $2.9 bn | $2.9 bn | $2.9 bn | $2.9 bn | $2.9 bn |
| Total deposits | $2.2 bn | $2.2 bn | $2.1 bn | $2.3 bn | $2.2 bn | $2.2 bn | $2.3 bn | $2.2 bn |
| Bank equity capital | $469.7 mn | $474.0 mn | $477.5 mn | $481.1 mn | $484.4 mn | $489.0 mn | $492.7 mn | $498.5 mn |
| CET1 ratio | 16.64% | 17.01% | 17.23% | 16.79% | 16.63% | 17.06% | 17.23% | 17.53% |
| Return on equity (ROE) | 4.69% | 4.43% | 2.91% | 2.97% | 2.90% | 3.11% | 3.04% | 3.88% |
| Uninsured share of domestic deposits | 24.87% | 24.45% | 24.67% | 23.24% | 28.65% | 27.97% | 33.24% | 37.25% |
| Full-time equivalent employees | 285 | 294 | 289 | 293 | 292 | 284 | 288 | 289 |
| Number of offices | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Industrial and Commercial Bank of China 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 Industrial and Commercial Bank of China USA?
Industrial and Commercial Bank of China USA reported $2.9 bn at in its Call Report. That makes Industrial and Commercial Bank of China USA the 443rd largest of 497 banks in our US coverage.
Is Industrial and Commercial Bank of China USA the same as its holding company?
No. This page covers Industrial and Commercial Bank of China USA, FDIC certificate 24387; CHINA INVESTMENT CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Industrial and Commercial Bank of China USA profitable?
Industrial and Commercial Bank of China USA reported net income of $9.6 mn for the year to ; annualized return on equity: 3.88%. So yes: Industrial and Commercial Bank of China USA made a profit over these months.
When is data for Industrial and Commercial Bank of China USA next updated?
Figures from Industrial and Commercial Bank of China USA for are due after .
Where can I check the figures for Industrial and Commercial Bank of China USA?
In the FDIC BankFind Suite record for certificate 24387, and in the Call Reports of Industrial and Commercial Bank of China USA (RSSD ID 1015560) at the FFIEC Central Data Repository.