Bank of China
Total assets
$48.52B
▲ +6.4% YoY
Deposits
$24.67B
▲ +22.0% YoY
Loans
$17.55B
▲ +9.9% YoY
Offices
1
ROA (annualized)
0.00%
peers 1.23%
ROE (annualized)
0.00%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | Bank of China | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +5.9% | +0.6 pts |
| Deposit growth (YoY) | +22.0% | +5.7% | +16.3 pts |
| Loan growth (YoY) | +9.9% | +6.9% | +3.0 pts |
| ROA | 0.00% | 1.23% | -1.2 pts |
| ROE | 0.0% | 11.2% | -11.2 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
Profile
- Established
- 1912
- Charter
- OCC
- Primary regulator
- OCC
- Specialization
- Commercial Lending Specialization
- Address
- 1045 Avenue Of The Americas, New York, NY, 10018
- County
- New York
- Metro area
- New York-Newark-Jersey City, NY-NJ-PA
- Offices
- 1
- FDIC cert #
- 33653
- RSSD ID
- 908508
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $48.52B | $24.67B | $17.55B | — | — | 0.00% | 0.00% | 0.00% |
| Q1 2026 | $44.45B | $20.17B | $16.72B | — | — | 0.00% | 0.00% | 0.00% |
| Q4 2025 | $61.89B | $23.14B | $15.22B | — | — | 0.00% | 0.00% | 0.00% |
| Q3 2025 | $40.30B | $21.56B | $15.49B | — | — | 0.00% | 0.00% | 0.00% |
| Q2 2025 | $45.58B | $20.23B | $15.96B | — | — | 0.00% | 0.00% | 0.00% |
| Q1 2025 | $42.33B | $18.51B | $15.36B | — | — | 0.00% | 0.00% | 0.00% |
| Q4 2024 | $56.34B | $18.21B | $15.82B | — | — | 0.00% | 0.00% | 0.00% |
| Q3 2024 | $47.00B | $19.77B | $15.66B | — | — | 0.00% | 0.00% | 0.00% |
Loan mix (Q2 2026): real estate $4.24B · commercial $9.19B · consumer — · securities $7.25B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Bank of China | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.00% | 1.23% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | — | Not enough history yet. | 11.3% | — |
Net interest margin Interest income − interest expense, ÷ assets | 0.00% | 3.55% | 0th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 0.0% | 54.9% | 0th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Bank of China | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Bank of China | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Bank of China | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Bank of China | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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