Woori America Bank
Woori America Bank reported total assets of $4.1 bn at Q2 2026, up 6.2% on a year earlier, the 324th largest of 497 banks in our US coverage. The CET1 capital ratio at Woori America Bank was 18.34%, and the uninsured share of Woori America Bank was 68.67%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Woori America Bank slipped from 127th to 454th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Woori America Bank has one of the highest uninsured share of domestic deposits readings among banks of $1 bn to $10 bn: 68.67% at , against a median of 32.61% across 339 banks (FDIC Call Reports).
- The return on equity (ROE) of Woori America Bank, 5.52% at , places Woori America Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 12.68%; FDIC Call Reports).
What sets Woori America Bank apart
- Few banks of $1 bn to $10 bn report a higher common equity tier 1 (CET1) ratio than Woori America Bank, at 18.34% in against a group median of 13.22%.
How large is Woori America Bank?
The balance sheet of Woori America Bank at : assets $4.1 bn, deposits $3.5 bn, net loans $3.0 bn (loans equal to 86.16% of deposits). Securities make up 2.7% of total assets at Woori America Bank. Since , when Woori America Bank held $1.4 bn, its assets grew 184.7%. In the year to , deposits at Woori America Bank rose 7.6% while its total assets rose 6.2%. At , Woori America Bank employed 288 full-time equivalent staff across 22 offices, about $14.3 mn of assets per employee and $160.4 mn of deposits per office.
How much funding at Woori America Bank is uninsured?
At Woori America Bank, uninsured deposits (above the FDIC limit) made up 68.67% of domestic deposits at (+9.52 pp on a year earlier); Woori America Bank ranks 15th of 500 on this measure. In dollars, Woori America Bank estimated $2.4 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.5 bn | +7.6% | 314th of 499 |
| Net loans and leases | $3.0 bn | +0.6% | 309th of 500 |
| Loan-to-deposit ratio | 86.16% | -6.03 pp | 261st of 500 |
| Tier 1 leverage ratio | 12.78% | -0.30 pp | 63rd of 500 |
| Total risk-based capital ratio | 19.60% | +1.22 pp | 41st of 448 |
| Net interest margin | 2.93% | +0.07 pp | 416th of 500 |
| Return on assets (ROA) | 0.72% | -0.18 pp | 446th of 500 |
| Efficiency ratio | 53.86% | -2.58 pp | 206th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $898,000 | Narrowed by $110,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $7.8 mn | Narrowed by $1.4 mn | |
| Noncurrent loans to total loans | 1.92% | +1.62 pp | 454th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.02% | +0.02 pp | 124th of 500 (1 = lowest) |
US rank of Woori America Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Woori America Bank: assets, deposits and loans
- Total assets $4.1bn
- Deposits $3.5bn
- Net loans $3.0bn
Capital and securities
The CET1 ratio of Woori America Bank stood at 18.34% in , +1.22 pp year on year. Low and high at Woori America Bank since : 12.89% () to 18.90% (). Equity capital of Woori America Bank at : $537.7 mn, or 13.1% of total assets. Woori America Bank also reported a total capital ratio of 19.60% for , and a tier 1 leverage ratio of 12.78%.
On held-to-maturity securities, Woori America Bank carried an unrealized loss of $898,000 at , equal to 0.2% of equity capital. The loss narrowed by $110,000 over the year. Its deepest point: $1.9 mn in . The available-for-sale portfolio of Woori America Bank showed an unrealized loss of $7.8 mn at ; the loss narrowed by $1.4 mn over the year.
Woori America Bank: capital ratios
- Total capital 20%
- CET1 18%
- Tier 1 leverage 13%
Woori America Bank: unrealized securities gains and losses
- Available for sale -$8mn
- Held to maturity -$898,000
Profitability and loan quality
For the year to , Woori America Bank earned a return on equity of 5.52%; return on assets: 0.72%. Net interest margin at Woori America Bank: 2.93%, +0.07 pp in a year. Woori America Bank net income: $14.6 mn, down 15.2% year on year. The efficiency ratio of Woori America Bank was 53.86%: about 54 cents cost per revenue dollar, against 71 cents at the median peer.
At , noncurrent loans were 1.92% of total loans at Woori America Bank; net charge-offs: 0.02% of average loans. Gross loans and leases at Woori America Bank: $3.1 bn, up 1.0% in a year.
Woori America Bank: profitability
- Return on equity 5.5%
- Net interest margin 2.9%
- Return on assets 0.7%
Peer group of Woori America Bank
The peer group of Woori America Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Woori America Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in New York. Against them, Woori America Bank shows CET1 ratio 18.34% against a peer median of 13.70%, return on equity 5.52% against a peer median of 8.78% and uninsured deposit share 68.67% against a peer median of 37.19%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| The Bank of Missouri | State nonmember bank | MO | $4.2 bn | 10.83% | 8.10% | 25.30% | |
| Bessemer Trust Company | National bank | NY | $4.2 bn | 23.20% | 38.18% | 82.33% | |
| United Community Bank | State nonmember bank | IL | $4.1 bn | 13.70% | 13.12% | 35.03% | |
| Woori America Bank | State nonmember bank | NY | $4.1 bn | 18.34% | 5.52% | 68.67% | |
| First Bank | State nonmember bank | NJ | $4.1 bn | 10.89% | 8.25% | 39.35% | |
| Gate City Bank | Federal savings bank | ND | $4.0 bn | not reported | 9.30% | 10.91% | |
| Spencer Savings Bank, SLA | State-chartered stock savings and loan association | NJ | $4.0 bn | 16.80% | 5.41% | 41.60% | |
. FDIC Call Reports.
Last eight quarters
Two years at Woori America Bank, to : assets +3.7%, deposits +2.9%, equity +12.4%. Staff 277 to 288; offices 21 to 22.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.0 bn | $3.8 bn | $3.8 bn | $3.9 bn | $4.0 bn | $4.0 bn | $4.0 bn | $4.1 bn |
| Total deposits | $3.4 bn | $3.3 bn | $3.2 bn | $3.3 bn | $3.4 bn | $3.4 bn | $3.5 bn | $3.5 bn |
| Bank equity capital | $478.2 mn | $484.1 mn | $492.0 mn | $502.4 mn | $511.6 mn | $523.1 mn | $526.8 mn | $537.7 mn |
| CET1 ratio | 16.79% | 16.97% | 16.71% | 17.12% | 17.34% | 18.35% | 18.61% | 18.34% |
| Return on equity (ROE) | 5.69% | 5.80% | 6.11% | 6.99% | 6.92% | 7.34% | 2.88% | 5.52% |
| Uninsured share of domestic deposits | 59.48% | 62.67% | 57.24% | 59.15% | 59.92% | 63.89% | 67.01% | 68.67% |
| Full-time equivalent employees | 277 | 278 | 285 | 291 | 293 | 289 | 290 | 288 |
| Number of offices | 21 | 21 | 21 | 21 | 22 | 22 | 22 | 22 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Woori America Bank 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 Woori America Bank?
Woori America Bank reported $4.1 bn at in its Call Report. That makes Woori America Bank the 324th largest of 497 banks in our US coverage.
Is Woori America Bank the same as its holding company?
No. This page covers Woori America Bank, FDIC certificate 24920; WOORI FINANCIAL GROUP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Woori America Bank profitable?
Woori America Bank reported net income of $14.6 mn for the year to ; annualized return on equity: 5.52%. So yes: Woori America Bank made a profit over these months.
When is data for Woori America Bank next updated?
Figures from Woori America Bank for are due after .
Where can I check the figures for Woori America Bank?
In the FDIC BankFind Suite record for certificate 24920, and in the Call Reports of Woori America Bank (RSSD ID 384018) at the FFIEC Central Data Repository.