# SHINHAN BANK AMERICA
NEW YORK, NY · FDIC certificate 33188 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $2.23B | |
| Deposits | $1.92B | |
| Loans and leases | $1.81B | |
| Total equity | $259.7M | |
| Loans / deposits | 93.41% (p69 of band) | 87.10% |
| Liquid assets / assets | 16.54% (p29 of band) | |
| Uninsured deposits / deposits | 52.04% (p92 of band) | 30.76% |
| Brokered deposits | 4.02% | |
| Wholesale funding | 4.02% (p41 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.47% (p80 of band) | 10.50% |
| Unrealized securities loss / equity | -4.89% (p65 of band) | -7.75% |
| AOCI / equity | -0.13% (p63 of band) | |
| ROA (annualized) | 0.61% (p11 of band) | 1.26% |
| Net interest margin | 3.72% (p51 of band) | 3.70% |
| Efficiency ratio | 74.39% (p86 of band) | |
| Noncurrent loans | 0.57% (p54 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p5 of band) | |
| Reserve coverage of noncurrent | 130.46% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 0.00% (p2 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 | 18.8% | |
| Employees | 256 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | charge-offs p90 |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | charge-offs p90 |
| 2011-12 | 1 | charge-offs p90 |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | charge-offs p90 |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 2 | loans exceed deposits |  |
| 2015-03 | 3 | deposits shrinking, assets shrinking | loans exceed deposits |
| 2015-06 | 2 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2015-09 | 0 |  | uninsured deposits leaving, reserve under noncurrent |
| 2015-12 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2016-03 | 1 |  | liquid assets <10% |
| 2016-06 | 2 | liquid assets <10% |  |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 2 |  | liquid assets <10% |
| 2017-03 | 3 | expense ratio p90 |  |
| 2017-06 | 2 |  | expense ratio p90 |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | liquid assets <10% |  |
| 2018-03 | 3 | expense ratio p90, uninsured deposits leaving | capital falling, liquid assets <10% |
| 2018-06 | 4 | liquid assets <10% |  |
| 2018-09 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2018-12 | 3 | loans exceed deposits, liquid assets <10% | uninsured deposits leaving |
| 2019-03 | 3 | losing money | liquid assets <10% |
| 2019-06 | 3 | capital falling | losing money |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | loans exceed deposits |
| 2020-03 | 3 | losing money |  |
| 2020-06 | 4 | loans exceed deposits |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 2 |  | losing money, loans exceed deposits |
| 2021-03 | 2 | reserve under noncurrent | capital falling |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | capital falling |  |
| 2022-06 | 1 |  | reserve under noncurrent, capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | losing money |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking | losing money |
| 2023-06 | 4 | losing money |  |
| 2023-09 | 3 | uninsured deposits >50%, run vulnerability | deposits shrinking, assets shrinking, losing money |
| 2023-12 | 5 | loans exceed deposits, losing money, deposits shrinking, assets shrinking | uninsured deposits >50%, run vulnerability |
| 2024-03 | 3 | uninsured deposits >50%, run vulnerability | loans exceed deposits, losing money, deposits shrinking, assets shrinking |
| 2024-06 | 4 | loans exceed deposits, deposits shrinking, assets shrinking | uninsured deposits >50%, run vulnerability |
| 2024-09 | 3 |  | loans exceed deposits |
| 2024-12 | 2 | capital falling | deposits shrinking, assets shrinking |
| 2025-03 | 5 | uninsured deposits >50%, run vulnerability, losing money, reserve under noncurrent | capital falling |
| 2025-06 | 1 |  | uninsured deposits >50%, run vulnerability, losing money, reserve under noncurrent |
| 2025-09 | 4 | loans exceed deposits, uninsured deposits >50%, run vulnerability |  |
| 2025-12 | 5 | liquid assets <10% |  |
| 2026-03 | 2 |  | expense ratio p90, uninsured deposits >50%, run vulnerability |
| 2026-06 | 2 | uninsured deposits >50%, run vulnerability | loans exceed deposits, liquid assets <10% |

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

- 2023-09-29 [Superintendent Adrienne A. Harris Announces $10 Million Settlement With Shinhan Bank America For Repeated Compliance Failures - dfs.ny.gov](https://news.google.com/rss/articles/CBMif0FVX3lxTE9feFNZWG1RZkxzMlRZSmVXdGNQdExBeTNsbmpJRVd2cEFYbWdNRFFFa25CWXRCblN5VFNqcHhpYkdyRUhoNEI1cXAyNnBVaUhBRVV2UmlyZVZidUFHMVdfMU14Wld5dlJTNnlDOWFCMUFiLWZjSldVQmFIVUZPdWM?oc=5) · dfs.ny.gov
- 2025-09-24 [Ex-Bank Compliance Execs' Whistleblower Suit Tossed - Law360](https://news.google.com/rss/articles/CBMilAFBVV95cUxOdnhpNTNZRFFsU3paYnVnOWNvNUlxM0o0Vm1HU2xsdkxMc0pHVFNWQXM5SE8tUG96QVpBT1BZcHV4cUZucUpKblcwZDE5V3RIeEY5Y0V5bDcxMDJ4ZHRmOEtLdnVNcHVHLVNETWQ4Rk1nOWpGTG05RVhiSlMwQlZ0bFRQWVN2WWthSUdmTEhoUWc4UW9I0gFWQVVfeXFMT2p3MGxQZlBlVFlFMGphRXNzM1ptWU9HNzRtdGhzM1dUQlEyVFhYeE9xS1p0UnZhM1JFNUdmMkRGX1cyeGQtdWhKMkJHOXdaTW5tdE1QeWc?oc=5) · Law360
- 2023-09-29 [Shinhan Bank’s U.S. Unit to Pay $25 Million Over Alleged Compliance Faults - wsj.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxQS1dFbEQ1dkdRcnhSb2ZTM2JNeTlGMUJPMnplS3lOY01TbGVKa3poN0NXS1NsVXpnVkp2LVU4ZS02MUxJdnNIbk9OZGdRUGFzanRqQWNNNTNrdERBWVFwLTZaSEhMYXZaU2t0RFhzWFRjbnZIM1ExTUlYQmJieXZmNVpzZUZta0RFblROMGtvOWd1djRDcGZTaWVySXc3NDExUjVONG9ockwwOE9oc3c?oc=5) · wsj.com
- 2025-04-30 [Shinhan Bank freed from US money-laundering oversight after 8 years - The Korea Herald](https://news.google.com/rss/articles/CBMiV0FVX3lxTFB2eDJYWndjdHlCMDZQVVVKYjlZSTdrZm5XazB6MnJhWkNlSmVMQ3MxbnJiOUEtU2VsTW1TcktMd2FJcC1SRG51cVl0LWxwZDlZT05Iak1iQQ?oc=5) · The Korea Herald
- 2023-09-29 [Fincen announces Shinhan Bank America will pay $15M for BSA Violations - American Banker](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNTzVqNFFyaENzelQ5S2xnY3ZYdGVDRnF3dEozZHhhNTlYSVp4THlNLWVHUmtNYXZTTERUUmVqcnlRYkMxeEpvLXZDSE1GeUpGMUx0bG9BNTlZam1tUmg4UHJOVlhnV3hRbWRpNlRnME9rTklyOFZKckVSb09MY2dRTTY1S1lsTUZBaTFZMklYdUxxU2o3Zno0eHNhOFlzWHdXdmRpbVB6bUY?oc=5) · American Banker
- 2025-04-28 [Shinhan Bank Clears U.S. Money Laundering Sanctions After Eight Years - Businesskorea](https://news.google.com/rss/articles/CBMidEFVX3lxTE1EQ0pqSkkwT3EtdEp3TzJLX2YyR1JHS2tZeDRkR2NOQVpFRUlXb2ZpWVpZSXNwS1NSTnNfWkRIekJfV1ExNTZWdE9GWkUyLV9BX0o4QkZ5S3p6UmRpbUNJLUJKc1labi1NSWpGUDR1NFN5ZGtZ?oc=5) · Businesskorea
- 2022-09-06 [Shinhan Bank Heads to 750 Seventh Avenue - Commercial Observer](https://news.google.com/rss/articles/CBMihwFBVV95cUxOQ0dmTTdpZldsWk5uemQ2Nmw1VzdqbTlsLWpJNjRKN1puTTJNTXZJcFFiUjNfQnRqYm55SzhKZXdqNHdwdDBoQzBQdVdJOTBXZDU1U2dQSHBiT09HbGJRMWxlNklSMW1tcU96b0FIY2hIVC0tLUJjRG1aa1ZxUnF3MGJLVGlvcHM?oc=5) · Commercial Observer
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33188 (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/36.json (key "33188", 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