# WOORI AMERICA BANK
NEW YORK, NY · FDIC certificate 24920 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $4.12B | |
| Deposits | $3.53B | |
| Loans and leases | $3.09B | |
| Total equity | $537.7M | |
| Loans / deposits | 86.16% (p48 of band) | 87.10% |
| Liquid assets / assets | 23.71% (p60 of band) | |
| Uninsured deposits / deposits | 68.67% (p98 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.78% (p83 of band) | 10.50% |
| Unrealized securities loss / equity | -1.94% (p81 of band) | -7.75% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.72% (p16 of band) | 1.26% |
| Net interest margin | 2.93% (p13 of band) | 3.70% |
| Efficiency ratio | 53.86% (p35 of band) | |
| Noncurrent loans | 1.92% (p91 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p42 of band) | |
| Reserve coverage of noncurrent | 84.98% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 4.88% (p8 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 | 7.6% | |
| Employees | 288 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

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

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

- 2026-01-30 [News | Woori Bank leases offices in Times Square - costar.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQTW1qZXZCalpINF9rRnVZY2prOUlCbkt0dm1xUUVMdlVlekNxb2J1OGZ3WjBONlFIWUk0YUpFZlZaSXdJUk9mN3VicWV1WkFWWTBkRm9NdUtHYTJvaGVVQzJPUXhkT0JjQjdRYm9td094M20zWTROOEVPbmxBR1pCSW9yVlRGeW9ONkw4?oc=5) · costar.com
- 2025-07-22 [Korean bank to open first local outpost in Williamson County - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPT19ISUZtbW5Bc2lvc2VIM2IxX3F1TWVqMUZoMWNRU2k0djJwbm93dzZ5TG9yNmtLWHZzUEItc1lLV2ZWNlJ6ck1aRUNvNjlmNHcwMTZUUDl1R1FtVVdNYkZyeFV3VVdSSWVzTDA4dzdYSllESWx2LVg4YjVYX1NyVDZ4NlhTc2IxVTR2Y1czYS16cjJ0STh0RjFaNEFIYUZCTlNsMjhfVVI?oc=5) · The Business Journals
- 2025-08-17 [Woori Bank opens Austin’s first Korean lender branch as US presence gathers pace - KED Global](https://news.google.com/rss/articles/CBMidEFVX3lxTE9tckl6N3laeE4zaG1LeXJTdHdZYmJFcl94eXdDYXgyYWc4dmZNUDJDTVE4cUZkZ041TVY0cWQ4TGVDa0k4UGJMYlF1YkNFOTdweGlqTmRWOFF1OXV0MldRMU9PWmR3aDhkdFVISjFVWTFVQm5I?oc=5) · KED Global
- 2026-04-30 [Woori Bank hosts US investment seminar for Korean firms - The Korea Times](https://news.google.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?oc=5) · The Korea Times
- 2025-08-11 [Korean banks step up US push to finance post-tariff expansion - The Korea Herald](https://news.google.com/rss/articles/CBMiV0FVX3lxTFBpeS1hc0J1THA5WkxibE1tMmkwU1ZIRzgzLTRxakNaMFBhTTVMeEoza0J5b0V2bmxZd21iYkpNYXljZ2dlMFBMay1zcl9BNUlHXzlneldBdw?oc=5) · The Korea Herald
- 2018-04-10 [The curious case of Woori Bank, an €8 billion lawsuit and an alleged letter from Deutsche Bank - euromoney.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxPSVcxbVA3UHpiWnAtdUxZZkJuQWFab0VjTzJJMXh6Yzdta1ZmeEJaRUgzZ00tWk5Pd3hJWmxfd2o0UXV0QW5EbThXSWtmdURZb0dHY0JXMGlXdDYwMWRIb1NpMXNaQS14LTh5MXJXUGFWR2ZGekxOcmJUUFI0RmNkU2pGUi1SZkRDRHJPak9MMGVTTVNPWXFiUEZCSnBtMmhJZFFpaVBtRlhRSWVaZHJQdW1hUFpydlE5N0FnVkJYSV82djcwS2xmNVFoWk1EQy1WejRKdjFTYVN5czhkVFVCZEhWNWlwQUVZTWt1Vk9n?oc=5) · euromoney.com
- 2026-01-07 [Top 10 Asian American-Owned Banks - Investopedia](https://news.google.com/rss/articles/CBMiekFVX3lxTE1xUlFhQnJic2FTUklRWHZ0U0tuMFJVZV92RjRUZkRCaFI0cmFQWlBUb2U2UzBxX2swYkwtY0RudTNJbXJkVENxYW5WYV93dHp0UVhRbmtDRzlySWJtVDFSaUpPQ2JONDN2QkhGQlBBdWw1OXZWT2pxTl9n?oc=5) · Investopedia
- 2015-11-13 [Sale of Citizens Bank leaves 44 foreign-owned banks that are FDIC-insured - Cleveland.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOdkFBNGxOM3pxTmtLcGhxVnJIVEtyYjVGcmRKd0IyRVhjYnR6bnBYdmtWU2MzalZnSWwyTXVBdkM2ZXRiVmVUSkZ4dGtEWTJ3Nm5hcndSV2laNW4yd012OEVFZTNXVEdjVGtNQ1VabnM0ZWVYWVlWYUZCaGxFNTZnbXJYQi0?oc=5) · Cleveland.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24920 (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 "24920", 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