# CTBC BANK CORP USA
LOS ANGELES, CA · FDIC certificate 19416 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.87B | |
| Deposits | $5.02B | |
| Loans and leases | $4.42B | |
| Total equity | $784.2M | |
| Loans / deposits | 87.10% (p50 of band) | 87.10% |
| Liquid assets / assets | 21.35% (p51 of band) | |
| Uninsured deposits / deposits | 66.55% (p98 of band) | 30.76% |
| Brokered deposits | 0.73% | |
| Wholesale funding | 0.73% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.67% (p92 of band) | 10.50% |
| Unrealized securities loss / equity | -3.04% (p74 of band) | -7.75% |
| AOCI / equity | -0.09% (p67 of band) | |
| ROA (annualized) | 0.87% (p22 of band) | 1.26% |
| Net interest margin | 2.97% (p14 of band) | 3.70% |
| Efficiency ratio | 59.20% (p51 of band) | |
| Noncurrent loans | 1.55% (p86 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p61 of band) | |
| Reserve coverage of noncurrent | 69.35% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 0.20% (p5 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 392 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | deposits shrinking, assets shrinking |  |
| 2012-06 | 0 |  | deposits shrinking, assets shrinking |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 | expense ratio p90 | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 3 | uninsured deposits >50%, run vulnerability |  |
| 2013-12 | 4 | capital falling |  |
| 2014-03 | 2 |  | expense ratio p90, run vulnerability |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | charge-offs p90 |  |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 2 | run vulnerability | charge-offs p90 |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 | capital falling | run vulnerability |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 | run vulnerability | capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | loans exceed deposits |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | loans exceed deposits |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | capital falling, charge-offs p90 |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 3 |  | run vulnerability |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 | run vulnerability | capital falling, charge-offs p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | capital falling |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | loans exceed deposits, liquid assets <10% | capital falling |
| 2022-12 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | capital falling |  |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 | reserve under noncurrent | capital falling |
| 2026-06 | 2 |  | run vulnerability |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-14 [CTBC USA Chooses Narmi for Strategic Digital Banking Initiatives - Yahoo Finance](https://news.google.com/rss/articles/CBMingFBVV95cUxObXJOdkt4bkdUT0RyN3I0aENsQlJQTnU2blpDb2hUWlBoWUl4b3FFSnY3dFhKT2hzYWVhM25MRnlfUmdOdFRYcFF5Z2hoUDBzbHNGQU9SdDlCR1JLRk8yWXJQWlRKUHplYkxDb3hyYUVvU3pydWZTR0dfWU56RXlpTEtBZFNxcTlHbWJwaHB0dk9aN0VUaW1oYmVONDI3dw?oc=5) · Yahoo Finance
- 2025-11-24 [CTBC Bank USA CEO Noor Menai to Speak at the Financial Times’s Global Banking Summit - Business Wire](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOdGl6dkJ1NzIxUUlxSXpoallGN25mRzU5TTdGbDU5bzlWenNTblIzcFlENWQ0Nk5vNkRIMWpaNmc5QTFJTDdCLW41RjlYdHY3RkRSRkY3c2lodnB2MzZFaGpJWGZnQklCNF84aURzb1gxRU1zVWNkNHROeURlMFBaUmhqeVc4TU54dDRXV3gwWGMwSDU2VkpHOUtvQTRIYXBQd1hnRWw0NVI3MVJaTUlOa2dLMHh4Z1dYcTA5Q3M2MTNuTHNZRWt1Y1VlREw3QU5FU1hwaHRIbw?oc=5) · Business Wire
- 2023-12-22 [CTBC Bank Corp. (USA) (CA) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMihgFBVV95cUxOOWdyM0oyOGJwZm53OUloUDJvQlQ3X3M0OENaMFJ1RnNEYTE3WG9xazN5ckR5WFUtbjN4Vzl5Sy13Vm5HVUU5aDdaVXhCUU53V0ZUd1FYWjFZVVRzRDhUY25RQTY0QkpKTjFmVm9LMW1fbHdJVFlhVU1qRFhLSGh3YVRVTEJZZw?oc=5) · SmartAsset
- 2022-01-06 [New Chair and Membership Appointments Announced for the Federal Reserve Bank of San Francisco’s Community Depository Institutions Advisory Council - San Francisco Fed - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNTGxWS2pnZXdDOV92dUoyVWZoeHQ4VlE1NndOdmdsa1RyZUR2RmRRYXV1eWtNVE43UzV1b0JnY3V3SGpIRDZqcWZNdHEzZ25zWWZiaVVPQ3NkSHByS3lhcDFnM09uYU5KMWZidkxqOTk5ck1uVTdlMlJ1Z2VqOE5XTmZLcy1YUVk4emFYZ3p0NHNMR1pFbGpFUkhlY0FyQ1dFU082cUVENFVPVlM4dHdLU3ZkMzNOZ0YySThoSmVybnRTc05KZFlCRklCdHg5aWdPam5CSFVDMU5lVmJVcUdmeS1tX0ZkSEY3SXJ3?oc=5) · Federal Reserve Bank of San Francisco
- 2026-05-11 [LA500 2026: Noor Menai - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMijAFBVV95cUxNNTNZT1I0NWp3bVlnVWhYNHhmSmpLbTBlbVRTbmk3eVJ4RVctTmRrVVdnb0JRRElEVVFYb0dlYk5wbFkwX2RpcW9kazlBMjdTZ1F1MVV0X0RlSnRsa1ZMZmY1YThOZ1lPUUhaaTFUVWNGTERVc0hWZ0M5X0QzN2hQREE3WVlGeHVXQ0hLVA?oc=5) · Los Angeles Business Journal
- 2024-11-20 [CTBC Bank USA CEO Noor Menai to Present at the Financial Times’s Global Banking Summit - Business Wire](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQSUUwSVVndEtqbUo2WTFZQ3lJNG9nbWNYcFVBbTlRQlFyWXBwVFdHeDNTc3doUXAtanI1SFpLV3NHSTlJZkYwTEZyUzdwSGtxbVBPcDFwckJwS2N1TVhReFZyck80TnhIY3B2dFd6T2Zab2VIUmYyQVJtU3cwQUVrLXQ4TnpmTkluLWlOSVFjNFRKd014NVdfX2hNdXRhNzFPSkFENHV1eWRHcmNWQTFoZWM1c2dMcjEtaUFXN0l1dHJOX0VKTzhKOTFxVFFoWmt5bzl1WXhWM1VRZw?oc=5) · Business Wire
- 2026-01-07 [Top 10 Asian American-Owned Banks - Investopedia](https://news.google.com/rss/articles/CBMiekFVX3lxTE1xUlFhQnJic2FTUklRWHZ0U0tuMFJVZV92RjRUZkRCaFI0cmFQWlBUb2U2UzBxX2swYkwtY0RudTNJbXJkVENxYW5WYV93dHp0UVhRbmtDRzlySWJtVDFSaUpPQ2JONDN2QkhGQlBBdWw1OXZWT2pxTl9n?oc=5) · Investopedia
- 2023-11-20 [CTBC Bank USA CEO Noor Menai to Speak at FT’s Global Banking Summit - Business Wire](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNeEpOMUdZbGpnWVgza1ZpNTlKYlRFUzdJTm9hQmhVMGVWeDdBazZWWXEwVG9OU3F4OEZvRU9IT3d3RktIMGlnbzlQWm55VnFVS2NiMnBxYWVFY3ljT1FabDZuOVk1M0NjRUFFYmo1clRlOVBKbWVRSVh0N04zWUNqSUwtWTg2bmVjeWp2NzVoZDBSczZEUkJiWGRpTkVJMnhTOEUxTE1HcVU1d3FWXzlpSlFtR21HWU56ODlrNDl2N2s?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19416 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/24.json (key "19416", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide