| Metric | Mizuho Bank (USA) | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -67.6% | +5.5% | -73.1 pts |
| Deposit growth (YoY) | -66.4% | +5.1% | -71.4 pts |
| Loan growth (YoY) | -83.6% | +5.9% | -89.5 pts |
| ROA | 1.22% | 1.26% | -0.0 pts |
| ROE | 5.0% | 12.2% | -7.1 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.14B | $1.74B | $398.8M | $318.5M | $23.7M | 1.22% | 2.45% | 0.00% |
| Q1 2026 | $4.05B | $2.83B | $428.9M | $1.16B | $16.4M | 1.38% | 2.19% | 0.00% |
| Q4 2025 | $5.50B | $4.01B | $1.80B | $1.34B | $93.9M | 1.36% | 2.33% | 0.00% |
| Q3 2025 | $6.60B | $5.13B | $2.41B | $1.31B | $63.8M | 1.17% | 2.27% | 0.00% |
| Q2 2025 | $6.60B | $5.17B | $2.43B | $1.29B | $39.8M | 1.06% | 2.21% | 0.00% |
| Q1 2025 | $7.49B | $6.14B | $2.22B | $1.27B | $21.7M | 1.10% | 2.00% | 0.00% |
| Q4 2024 | $8.37B | $6.97B | $2.51B | $1.25B | $114.1M | 1.65% | 2.81% | 0.00% |
| Q3 2024 | $6.60B | $5.23B | $2.63B | $1.22B | $88.9M | 1.82% | 3.06% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $131.5M · consumer $0 · securities $307K
| Ratio | Mizuho Bank (USA) | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.26% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 12.2% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.45% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.1% | 59.0% | 99th |
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 | Mizuho Bank (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 | Mizuho Bank (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 | Mizuho Bank (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 | Mizuho Bank (USA) | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.