| Metric | CTBC Bank Corp. (USA) | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +5.5% | +4.9 pts |
| Deposit growth (YoY) | +10.6% | +5.1% | +5.5 pts |
| Loan growth (YoY) | +2.3% | +5.9% | -3.6 pts |
| ROA | 0.87% | 1.26% | -0.4 pts |
| ROE | 6.3% | 12.2% | -5.8 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.87B | $5.02B | $4.37B | $784.2M | $24.4M | 0.87% | 2.97% | 1.17% |
| Q1 2026 | $5.37B | $4.55B | $4.35B | $771.9M | $12.7M | 0.93% | 2.95% | 1.30% |
| Q4 2025 | $5.58B | $4.77B | $4.26B | $760.2M | $44.5M | 0.83% | 2.99% | 0.64% |
| Q3 2025 | $5.46B | $4.67B | $4.27B | $744.7M | $30.0M | 0.76% | 2.97% | 0.31% |
| Q2 2025 | $5.32B | $4.54B | $4.27B | $730.5M | $17.7M | 0.68% | 2.94% | 0.28% |
| Q1 2025 | $5.17B | $4.40B | $4.19B | $721.5M | $9.6M | 0.74% | 2.88% | 0.30% |
| Q4 2024 | $5.22B | $4.45B | $4.16B | $709.7M | $39.7M | 0.75% | 2.57% | 0.36% |
| Q3 2024 | $5.28B | $4.52B | $4.31B | $703.1M | $28.9M | 0.73% | 2.53% | 0.34% |
Loan mix (Q2 2026): real estate $3.51B · commercial $862.8M · consumer $0 · securities $387.2M
| Ratio | CTBC Bank Corp. (USA) | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.26% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 12.2% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.2% | 59.0% | 51th |
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% |
| Ratio | CTBC Bank Corp. (USA) | 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% |
| Ratio | CTBC Bank Corp. (USA) | 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% |
| Ratio | CTBC Bank Corp. (USA) | 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% |
| Ratio | CTBC Bank Corp. (USA) | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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