| Metric | Shinhan Bank America | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.8% | +5.5% | +9.3 pts |
| Deposit growth (YoY) | +18.8% | +5.1% | +13.7 pts |
| Loan growth (YoY) | +13.3% | +5.9% | +7.4 pts |
| ROA | 0.61% | 1.26% | -0.6 pts |
| ROE | 4.9% | 12.2% | -7.3 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.23B | $1.92B | $1.79B | $259.7M | $6.3M | 0.61% | 3.72% | 0.46% |
| Q1 2026 | $1.97B | $1.66B | $1.73B | $256.4M | $2.8M | 0.58% | 3.83% | 0.49% |
| Q4 2025 | $1.90B | $1.59B | $1.65B | $253.8M | $7.8M | 0.42% | 3.68% | 0.39% |
| Q3 2025 | $1.90B | $1.59B | $1.62B | $250.8M | $4.9M | 0.35% | 3.60% | 0.39% |
| Q2 2025 | $1.95B | $1.62B | $1.58B | $246.6M | $1.8M | 0.20% | 3.39% | 0.38% |
| Q1 2025 | $1.82B | $1.58B | $1.54B | $194.4M | $-186K | -0.04% | 3.20% | 0.63% |
| Q4 2024 | $1.74B | $1.50B | $1.47B | $194.2M | $2.2M | 0.13% | 3.39% | 0.42% |
| Q3 2024 | $1.74B | $1.49B | $1.46B | $194.7M | $1.5M | 0.12% | 3.39% | 0.44% |
Loan mix (Q2 2026): real estate $1.46B · commercial $346.2M · consumer $718K · securities $113.2M
| Ratio | Shinhan Bank America | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 1.26% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 12.2% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.4% | 59.0% | 86th |
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 | Shinhan Bank America | 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 | Shinhan Bank America | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Shinhan Bank America | 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 | Shinhan Bank America | 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 | Shinhan Bank America | 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.
14 branches in 9 counties across 5 states (-1 vs 2024) · $1.62B branch deposits. Biggest market: Gwinnett, GA, ranked 17th with 1.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Gwinnett, GA | 1 | $410.7M | 1.52% | 17th |
| Orange, CA | 2 | $189.8M | 0.11% | 59th |
| New York, NY | 2 | $182.8M | 0.01% | 59th |
| 6 more counties with Pro → | ||||
Georgia: 64th with 0.14% · California: 195th with 0.02% · New York: 152nd with 0.01% · Texas: 430th with 0.01% · New Jersey: 104th with 0.03% · Atlanta-Sandy Springs-Roswell metro: 41st, 0.20% · New York-Newark-Jersey City metro: 114th, 0.02% ·
Branch count: 2022 16 · 2023 16 · 2024 15 · 2025 14