# MIZUHO BANK USA
NEW YORK, NY · FDIC certificate 21843 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 7 (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 | $2.14B | |
| Deposits | $1.74B | |
| Loans and leases | $400.4M | |
| Total equity | $318.5M | |
| Loans / deposits | 22.94% (p2 of band) | 87.10% |
| Liquid assets / assets | 70.53% (p98 of band) | |
| Uninsured deposits / deposits | 95.02% (p100 of band) | 30.76% |
| Brokered deposits | 2.66% | |
| Wholesale funding | 2.66% (p33 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.05% (p1 of band) | 10.50% |
| Unrealized securities loss / equity | 0.00% (p98 of band) | -7.75% |
| AOCI / equity | 0.22% (p88 of band) | |
| ROA (annualized) | 1.22% (p47 of band) | 1.26% |
| Net interest margin | 2.45% (p5 of band) | 3.70% |
| Efficiency ratio | 93.09% (p99 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $269.8M (85% of equity) (p98 of band) | |
| Deposits YoY | -66.4% | |
| Employees | 70 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, NIM <2.5% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 5 | wholesale funding >15%, capital falling, loans-to-lenders >50% equity |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 6 | brokered >10%, reserve under noncurrent | capital falling |
| 2012-06 | 5 |  | reserve under noncurrent |
| 2012-09 | 6 | capital falling |  |
| 2012-12 | 5 |  | capital falling |
| 2013-03 | 5 |  |  |
| 2013-06 | 8 | uninsured deposits >50%, liquid assets <10%, run vulnerability |  |
| 2013-09 | 7 | uninsured deposits leaving | uninsured deposits >50%, run vulnerability |
| 2013-12 | 7 | capital falling | liquid assets <10% |
| 2014-03 | 7 | liquid assets <10% | uninsured deposits leaving |
| 2014-06 | 6 |  | liquid assets <10% |
| 2014-09 | 6 | liquid assets <10% | capital falling |
| 2014-12 | 5 |  | liquid assets <10% |
| 2015-03 | 7 | liquid assets <10%, deposits shrinking |  |
| 2015-06 | 7 |  |  |
| 2015-09 | 6 |  | deposits shrinking |
| 2015-12 | 7 | capital falling, uninsured deposits leaving | liquid assets <10% |
| 2016-03 | 8 | liquid assets <10% |  |
| 2016-06 | 8 |  |  |
| 2016-09 | 7 | expense ratio p90 | uninsured deposits leaving, liquid assets <10% |
| 2016-12 | 7 | charge-offs p90, reserve under noncurrent | capital falling, expense ratio p90 |
| 2017-03 | 5 |  | charge-offs p90, reserve under noncurrent |
| 2017-06 | 7 | reserve under noncurrent, deposits shrinking |  |
| 2017-09 | 8 | assets shrinking |  |
| 2017-12 | 6 | uninsured deposits >50% | loans exceed deposits, deposits shrinking, assets shrinking |
| 2018-03 | 10 | loans exceed deposits, expense ratio p90, deposits shrinking, assets shrinking |  |
| 2018-06 | 9 | run vulnerability | reserve under noncurrent, expense ratio p90 |
| 2018-09 | 10 | expense ratio p90, reserve under noncurrent | run vulnerability |
| 2018-12 | 10 | run vulnerability | reserve under noncurrent |
| 2019-03 | 10 | noncurrent p90, reserve under noncurrent | deposits shrinking, assets shrinking |
| 2019-06 | 8 |  | uninsured deposits >50%, run vulnerability |
| 2019-09 | 8 |  |  |
| 2019-12 | 8 | uninsured deposits >50%, run vulnerability | noncurrent p90, reserve under noncurrent |
| 2020-03 | 6 |  | uninsured deposits >50%, run vulnerability |
| 2020-06 | 7 | capital falling |  |
| 2020-09 | 6 |  | capital falling |
| 2020-12 | 8 | uninsured deposits >50%, run vulnerability |  |
| 2021-03 | 10 | deposits shrinking, assets shrinking |  |
| 2021-06 | 8 |  | run vulnerability, assets shrinking |
| 2021-09 | 10 | run vulnerability, assets shrinking |  |
| 2021-12 | 9 |  | deposits shrinking |
| 2022-03 | 10 | charge-offs p90 |  |
| 2022-06 | 10 |  |  |
| 2022-09 | 9 |  | charge-offs p90 |
| 2022-12 | 7 |  | run vulnerability, assets shrinking |
| 2023-03 | 3 |  | NIM <2.5%, loans-to-lenders >50% equity, loans exceed deposits, expense ratio p90 |
| 2023-06 | 5 | loans-to-lenders >50% equity, assets shrinking |  |
| 2023-09 | 6 | capital falling |  |
| 2023-12 | 3 |  | loans-to-lenders >50% equity, assets shrinking, capital falling |
| 2024-03 | 5 | loans-to-lenders >50% equity, assets shrinking |  |
| 2024-06 | 4 |  | assets shrinking |
| 2024-09 | 4 |  |  |
| 2024-12 | 5 | capital falling |  |
| 2025-03 | 6 | expense ratio p90, NIM <2.5% | capital falling |
| 2025-06 | 6 |  |  |
| 2025-09 | 6 |  |  |
| 2025-12 | 8 | deposits shrinking, assets shrinking, uninsured deposits leaving | wholesale funding >15% |
| 2026-03 | 6 |  | brokered >10%, loans-to-lenders >50% equity |
| 2026-06 | 7 | loans-to-lenders >50% equity |  |

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

- 2026-08-10 [Mizuho Retains “Outstanding” Community Reinvestment Act Ratings - Business Wire](https://news.google.com/rss/articles/CBMiugFBVV95cUxPR3VOZ3FiX2RqWTJaSzQ0a3NQaXJWSjhPUVdSMV9wQ2xhNHcxX0NPQnpBakpBUFlDM3doN253Tm5GQ0tjN2NUanpMOVVpMmVZRDVjaF9CZlBxTkpzQjdHRnZiM0M1ZUZCY2hLTjBCUFBQQTlZa1VGSHlWdmFTVFUyZ08tZ2xmYVBDWEZla1dsaXBoSEt6c3R2aFZvdDVrUWh3RzQ4SGtCbkJmNDRJSHMwdWgxeXluczdHaXc?oc=5) · Business Wire
- 2018-05-15 [Sumiko Kanazawa – Mizuho Trust & Banking Co. - Vanguard Law Magazine](https://news.google.com/rss/articles/CBMiggFBVV95cUxQT1lSYlVJMldQckVXVmZ2V1g1ZFVfOXRwSU9HYTFxbWdja1RaZmlocllhTUpZX2RrWFdoYUlXd1Rma2dxcUhybG5JMk5jUmZPdFVIdkQ2WUhqVDZ3dUthMVFfUVAzckcyX0x0T0xsYmV5Ykp3a2R4TWlBSEVGZkNab1NB?oc=5) · Vanguard Law Magazine
- 2025-03-01 [Mizuho exits custody business outside Japan in sale to State Street - Nikkei Asia](https://news.google.com/rss/articles/CBMitgFBVV95cUxQbEc1SHNmUmY0QUw3c3lneEduSjlPelFySHctZ2ZwY2RpQnoxVkRhLXdzSUl0a0FtUUJPLVJabG1UcWtWWFl0cUhPQVBuRHlrR0hTSTJmbGVELWEwaXVyRXJBNDlSX0tjVmRMYVZmQWRMQWxreWwtY0pnbnUwcDlFZUdqc3FLM0FoUkpOMUw2NUJ6MDA1YVFNQXFXbkg5VmxnbWY2Q2cteEs5LXZCU0Zsb0ozdkRPZw?oc=5) · Nikkei Asia
- 2025-05-20 [Summary Of Mergers, Acquisitions In North American Wealth Management Q1 2025 - Family Wealth Report](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQNEFOTXFCSHNiQWo1YnFFLTBGMFhoSVJtcUQwLWhLR3JWakRzUEFodklseHpLVUh3VjhzV0VvWUthUHMtZm9QVktwMGtMRWM1cDZDMFQxT3NOQVB3ZlcwNWlRdnVPbl8yUzB3dTI3RFNDRS1IWTBOV0lfUXdkSGJNeXVKWWRaZGlkWmc0dlFvcm5BV2NQMGhFYWtCdWVZbFNsdVZ2dE5GaFNNSG9OazJUbUd2Yi00MV9MMEpMQmNKV1JIZkU?oc=5) · Family Wealth Report
- 2025-02-28 [State Street to Acquire Mizuho Financial Group’s Global Custody Business - Business Wire](https://news.google.com/rss/articles/CBMixwFBVV95cUxNdXJHRmxOWE8taFNTeXhjemlDcGJBMDI0YTY4Y01XVFJ2ZHRtVTZvZU1hMmwzTnotNVowT2xqcFJnR0laYnpmdmJ3eDV1V2NfeXRFbE1wUlJhX21nUEdJLWdxZVhfS25kYU8tMF9NQURsUXB1dm9RaXJfclZzUDN2cUV0V3Z1TU10MUVyanp6cEpfUVVVTzI0WkN3bFJqMGxjT1ZRMEpGdm0xbVFfY00tVC0zOWJJbWNITzdkNVFNR0tUVDVPTlpv?oc=5) · Business Wire
- 2020-02-24 [Conspiracy Theorists Ask ‘Who Owns the New York Fed?’ Here’s the Answer. - Institutional Investor](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNbE52M2l3b3RiSnlwdy1iUjVFaWtfNTN6SXVHSlF0eXgxSTZNSDZSNXk4LV9ORG9IMzRXU2pzNjZNWDJ3VjNIRGRHc1RMbkZhMFRJVThFVUpmd1JCaFBiTE13SUx2ODJiaTNUTkM2QTRINTV5N0hzbTFzSU1McEQ1aW9abGtFTUZsTjdTS0ZUemQyekdLVTNGN1JxN3NtS2RIcjJqaXhybTZZNWR0ekJkVFRHVERuMFVGaEFKTzNMWTlmMHhlWXVoV0t6Q3BQZjNKQklHZjZEck5BWWM?oc=5) · Institutional Investor
- 2026-06-28 [Announcement Regarding Filing of Annual Report on Form 20-F with the U.S. Securities and Exchange Commission - Business Wire](https://news.google.com/rss/articles/CBMi-AFBVV95cUxOOHJnLXZFQkZkOVpPYkV3LU1aYWlSUHk3cEN0WGk0bHVoenYwZDlKcmthVE5COEpEai1ndER0M1ZnbEZUUWVNOW1uZXFvNHZtdVZ2dE40bkVpREE1a1hHN0ZQQTZOM1lSbnZkdk56ZVBiemxoZkRhU25QQ3kyc1FDTmpLeE5QYUUzSVVNUGVKWkFqWkRJbzNQSVZNOTlUVGxtUmJFaURCeEw2ZmVVT1RnaUdIVVJGVGNEVDA5c1k5T3RrUm9URlhUMDI4RGRkeHBNSGx2ZlVZQkNOdGVyalBfYWdSMzU1VEtlOTZuWG1ZVHdlSGtaWmdNWQ?oc=5) · Business Wire
- 2026-05-08 [Mizuho Expands “A Name Worth Knowing Award” to Support Two Promising Junior Golfers - Business Wire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQVDNSamluVU9qNXFKU29VN3JYc3JRM215aTNFMEZYNWZiNVZJTml1MmZYckIwUm5waFlCSnpJeHFnMklHTUNwTzJ1d3JneWRXTk5aTy1oVHd1dEpMajBGdVN2ekN6ZnA5N21vTDRYbG5HS2JlZnZZSFh1RXBXTnlsb3RzaG9yXzR4ZGtIT2pfLTF3VGh2ckR4eEpxMFBIV1lxQm5fWlpoTzJISUpTZjNZSGZHbWJmOW85Z0tGVWVXWlMxd2c3NG9YRzJxMDdEdGZLVUJSMw?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21843 (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/19.json (key "21843", 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