Shinhan Bank America: how it compares with its peers
Against 30 NY banks with half to twice its assets, Shinhan Bank America's strongest measure in Q2 2026 is net interest margin (3.72% vs. a 3.24% peer median). Its weakest relative measure is return on assets (0.61% vs. 1.07%).
| Measure | Shinhan Bank America | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.61% | 1.07% | Bottom third Ahead of 13% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.72% | 3.24% | Top third Ahead of 80% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.39% | 59.49% | Bottom third Ahead of 23% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.7M | $9.9M | Middle third Ahead of 37% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.41% | 82.99% | Context |
What it means for lending operations
Its efficiency ratio of 74.39% is above the 59.49% 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
- Maspeth Federal Savings and Loan Association Maspeth, NY · $2.21B
- Mizuho Bank (USA) New York, NY · $2.14B
- Hanover Community Bank Garden City Park, NY · $2.33B
- The Lyons National Bank Lyons, NY · $2.13B
- Pioneer Bank, National Association Albany, NY · $2.34B
- NorthEast Community Bank White Plains, NY · $2.11B
Questions about Shinhan Bank America
How big is Shinhan Bank America?
Shinhan Bank America, established in 1990, is headquartered in New York, NY. It reported $2.23B in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is Shinhan Bank America's return on assets?
0.61% annualized in Q2 2026, against a 1.07% median for 30 NY banks with half to twice its assets, ahead of 13% of them.
What is Shinhan Bank America's efficiency ratio?
74.39% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 59.49%, and lower is better.
Is Shinhan Bank America growing its loans?
Net loans grew 13.3% over the year to Q2 2026, while deposits grew 18.8%.
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.