Mizuho Bank (USA): how it compares with its peers
Against 30 NY banks with half to twice its assets, Mizuho Bank (USA)'s strongest measure in Q2 2026 is assets per employee ($30.5M vs. a $9.9M peer median). Its weakest relative measure is efficiency ratio (93.09% vs. 58.69%).
| Measure | Mizuho Bank (USA) | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.22% | 1.02% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.45% | 3.28% | Bottom third Ahead of 20% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 93.09% | 58.69% | Bottom third Ahead of 3% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $30.5M | $9.9M | Top third Ahead of 96% of peers |
| Loans to deposits Net loans and leases over total deposits. | 22.94% | 83.45% | Context |
What it means for lending operations
Its efficiency ratio of 93.09% is above the 58.69% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Lyons National Bank Lyons, NY · $2.13B
- NorthEast Community Bank White Plains, NY · $2.11B
- Maspeth Federal Savings and Loan Association Maspeth, NY · $2.21B
- Shinhan Bank America New York, NY · $2.23B
- Hanover Community Bank Garden City Park, NY · $2.33B
- Pioneer Bank, National Association Albany, NY · $2.34B
Questions about Mizuho Bank (USA)
How big is Mizuho Bank (USA)?
Mizuho Bank (USA), established in 1974, is headquartered in New York, NY. It reported $2.14B in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Mizuho Bank (USA)'s return on assets?
1.22% annualized in Q2 2026, against a 1.02% median for 30 NY banks with half to twice its assets, ahead of 63% of them.
What is Mizuho Bank (USA)'s efficiency ratio?
93.09% in Q2 2026: it spent about 93 cents in noninterest expense for each dollar of revenue. The peer median is 58.69%, and lower is better.
Is Mizuho Bank (USA) growing its loans?
Net loans shrank 83.6% over the year to Q2 2026, while deposits shrank 66.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.