# INDUSTRIAL BANK OF KOREA
NEW YORK, NY · FDIC certificate 33649 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $554.1M | |
| Deposits | $13.1M | |
| Loans and leases | $537.8M | |
| Total equity | $0 | |
| Loans / deposits | 4116.17% (p100 of band) | 82.04% |
| Liquid assets / assets | 1.96% (p0 of band) | |
| Uninsured deposits / deposits | 0.00% (p0 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | – | |
| Tier 1 leverage | 0.00% (p0 of band) | 10.81% |
| Unrealized securities loss / equity | – | -8.10% |
| AOCI / equity | – | |
| ROA (annualized) | 0.00% (p3 of band) | 1.28% |
| Net interest margin | 0.00% (p0 of band) | 3.91% |
| Efficiency ratio | 0.00% (p0 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 36% | |
| Construction % of loans | – | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | 149.6% | |
| Employees | 0 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | loans exceed deposits, wholesale funding >15%, leverage <7%, leverage <5%, NIM <2.5% |  |
| 2011-06 | 7 | noncurrent p90 |  |
| 2011-09 | 7 |  |  |
| 2011-12 | 7 |  |  |
| 2012-03 | 8 | assets shrinking |  |
| 2012-06 | 8 |  |  |
| 2012-09 | 7 |  | assets shrinking |
| 2012-12 | 8 | assets shrinking |  |
| 2013-03 | 8 |  |  |
| 2013-06 | 8 |  |  |
| 2013-09 | 8 |  |  |
| 2013-12 | 9 | deposits shrinking |  |
| 2014-03 | 9 |  |  |
| 2014-06 | 9 |  |  |
| 2014-09 | 9 |  |  |
| 2014-12 | 8 |  | assets shrinking |
| 2015-03 | 7 |  | deposits shrinking |
| 2015-06 | 6 |  | loans exceed deposits |
| 2015-09 | 5 |  | wholesale funding >15% |
| 2015-12 | 6 | loans exceed deposits |  |
| 2016-03 | 9 | wholesale funding >15%, deposits shrinking, assets shrinking |  |
| 2016-06 | 9 |  |  |
| 2016-09 | 4 |  | noncurrent p90, loans exceed deposits, wholesale funding >15%, deposits shrinking, assets shrinking |
| 2016-12 | 4 |  |  |
| 2017-03 | 6 | loans exceed deposits, wholesale funding >15% |  |
| 2017-06 | 7 | deposits shrinking |  |
| 2017-09 | 8 | assets shrinking |  |
| 2017-12 | 6 |  | wholesale funding >15%, assets shrinking |
| 2018-03 | 7 | assets shrinking |  |
| 2018-06 | 8 | liquid assets <10% |  |
| 2018-09 | 7 |  | liquid assets <10% |
| 2018-12 | 7 |  |  |
| 2019-03 | 6 |  | assets shrinking |
| 2019-06 | 7 | assets shrinking |  |
| 2019-09 | 7 |  |  |
| 2019-12 | 7 |  |  |
| 2020-03 | 6 |  | deposits shrinking |
| 2020-06 | 7 | deposits shrinking |  |
| 2020-09 | 7 |  |  |
| 2020-12 | 6 |  | deposits shrinking |
| 2021-03 | 7 | deposits shrinking |  |
| 2021-06 | 5 |  | assets shrinking, deposits shrinking |
| 2021-09 | 7 | liquid assets <10%, deposits shrinking |  |
| 2021-12 | 5 |  | liquid assets <10%, deposits shrinking |
| 2022-03 | 7 | liquid assets <10%, deposits shrinking |  |
| 2022-06 | 5 |  | liquid assets <10%, deposits shrinking |
| 2022-09 | 5 |  |  |
| 2022-12 | 6 | deposits shrinking |  |
| 2023-03 | 6 |  |  |
| 2023-06 | 6 |  |  |
| 2023-09 | 6 |  |  |
| 2023-12 | 6 |  |  |
| 2024-03 | 6 |  |  |
| 2024-06 | 6 | liquid assets <10% | deposits shrinking |
| 2024-09 | 6 |  |  |
| 2024-12 | 6 |  |  |
| 2025-03 | 6 |  |  |
| 2025-06 | 6 |  |  |
| 2025-09 | 7 | deposits shrinking |  |
| 2025-12 | 6 |  | deposits shrinking |
| 2026-03 | 7 | deposits shrinking |  |
| 2026-06 | 6 |  | deposits shrinking |

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

- 2025-12-15 [Luxembourg’s Spuerkeess signs MoU with Industrial Bank of Korea - Luxembourg Times](https://news.google.com/rss/articles/CBMivAFBVV95cUxOVEhmRWUxMTRrTVVCQ0ZHemk5TmdNSWpHWmx1OG16R0lmNnlkVE1uTkZGVFMzWEJldUoyNFk2N1dHd0VQbWo4UWRKUEgxT0EyT0pESkFCbmpTam5meDZpSDd3NHNfc05zXzk5VXFucURoSk5TenNaR04yN0p5anM3STNtWURENFZTdjJSR0lOMjdNSElzRVd0aXVYUEdXendReGlaQlc4ai00eWlBUk91cW5hVk9zSmtjblBaQg?oc=5) · Luxembourg Times
- 2020-05-25 [IBK fined $86m in US over mishandling anti-money laundering program - The Korea Herald](https://news.google.com/rss/articles/CBMiVkFVX3lxTE9tc0hIdzhCVDh4UFgxWmJRTXBlWE00S0V4MVdiVV9lOVVOZEJ2eEIybkhyLUNkTWg4eWE2N2QyRUUyb3VmRWV5OWZ3ZWFYdlVCTGRGaHpB?oc=5) · The Korea Herald
- 2023-02-06 [Industrial Bank of Korea goes all in with Eastern Europe push - KED Global](https://news.google.com/rss/articles/CBMidEFVX3lxTFBLVHQyRVN6dDBrMDhHX2lTbE5qcDMtejc4TkZOLURlbXlUMlVKd1QyVkE1OGxDZDROczNNcmVzeWFpSGJYWE50TVgzYmNONUdkRnNQZTllN0EyVWV5Mmw0bWx0S3NMZWFuY0tsZk1IaFdFcmNX?oc=5) · KED Global
- 2020-04-21 [Industrial Bank of Korea Settles US, New York Criminal Probes Over $1 Billion Iran Transfer - Algemeiner.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxPYTBDUG9kTkpET1NXMHM2cEF1cXp5N0dWR3RkR1BsTWZFQmFpS2F6X2JUaEJiSmhCXzFCbUIzem9QUG1uQ1ZuMXJJckllRGpJdHprNnpsLUhkSElRVklxS1htX2h0ZV9WeExuUkRwWjgyZmxyb0lhdUl2VzNqM2xlMVRGU3VYUGpBY0RHQ1hTTms4bm1yQjZvcWR6aEs5eGtXWVdxOGF3WGw1SFd3aEZoLXVjRl9DcW41ekRaaDc1S3ZfeG8xNUVZ?oc=5) · Algemeiner.com
- 2023-11-10 [World’s Safest Banks 2023—Global Top 100 - Global Finance Magazine](https://news.google.com/rss/articles/CBMib0FVX3lxTE14SXRQVjRpRkFGZWtJRHBYbWxLNGJqR3Q5V0N6NndxLTYwT1h6SFVRVzlINGVHdkwwRk9DS3d5ZjBWOS1oTXdERHJDN3RKei1pS2xSSjJqa1c1V01NUTVNX3dXZG5DRDhBMXczcE9SVQ?oc=5) · Global Finance Magazine
- 2020-04-20 [IBK fined $35 mil. for flouting US anti-money laundering law - The Korea Times](https://news.google.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?oc=5) · The Korea Times
- 2022-12-09 [U.S. Fed Terminates Sanctions for Money Laundering against IBK - Businesskorea](https://news.google.com/rss/articles/CBMidEFVX3lxTFBnZ1VKQlFXZ05CZ2dQVk5TdjR2S3NSNFF5cTlWbXdHdG1sWkFiUm1CVGNPNWlKd3A0SERmNzJ5Vk1TYkJuVDY5eWR0Z0FJSzBWOGxSSjNPTVpzT1Q2Y2hhNWJCOGdnUVE1Z3UtMHNvZTdHSWZG?oc=5) · Businesskorea
- 2021-03-11 [Korean lender sues for $40M over Ceruzzi condo mezz loan - The Real Deal](https://news.google.com/rss/articles/CBMiogFBVV95cUxPYlg5Si1hMTU5WVBYYS1FcTZMSnBxVzhXRlNOUzMxT0MyTXNmalliOUp2WXJkMEF5Q3RmTWlwVW5SclRxcGVhcWRIV0pWdUxCSXhBTzZMbFBnMmlsaTRQZmhkUU9DbHhRU3ZPYXdvYVozMEtSN2JoRGZBdDVKUFZOT2RDQlc1OVJ2MU5Kd29pU2JfdmRaREdMSFBxUjh0YzNMVGc?oc=5) · The Real Deal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33649 (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/49.json (key "33649", 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