Industrial and Commercial Bank of China USA, National Association: how it compares with its peers
Against 27 NY banks with half to twice its assets, Industrial and Commercial Bank of China USA, National Association's strongest measure in Q2 2026 is net interest margin (3.22% vs. a 3.38% peer median). Its weakest relative measure is return on assets (0.67% vs. 1.10%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.67% | 1.10% | Bottom third Ahead of 19% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.22% | 3.38% | Middle third Ahead of 44% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.67% | 59.17% | Bottom third Ahead of 33% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.9M | $10.9M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 121.96% | 84.17% | Context |
What it means for lending operations
Its efficiency ratio of 70.67% is above the 59.17% 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
- Habib American Bank New York, NY · $2.84B
- Chemung Canal Trust Company, National Association Elmira, NY · $2.82B
- Orange Bank & Trust Company Middletown, NY · $2.79B
- Interaudi Bank New York, NY · $2.68B
- Bank of Greene Catskill, NY · $3.18B
- Esquire Bank, National Association Jericho, NY · $2.49B
Questions about Industrial and Commercial Bank of China USA, National Association
How big is Industrial and Commercial Bank of China USA, National Association?
Industrial and Commercial Bank of China USA, National Association, established in 1983, is headquartered in New York, NY. It reported $2.86B in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is Industrial and Commercial Bank of China USA, National Association's return on assets?
0.67% annualized in Q2 2026, against a 1.10% median for 27 NY banks with half to twice its assets, ahead of 19% of them.
What is Industrial and Commercial Bank of China USA, National Association's efficiency ratio?
70.67% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 59.17%, and lower is better.
Is Industrial and Commercial Bank of China USA, National Association growing its loans?
Net loans shrank 0.6% over the year to Q2 2026, while deposits shrank 2.4%.
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.