# BANK OF CHINA
NEW YORK, NY · FDIC certificate 33653 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $48.52B | |
| Deposits | $24.67B | |
| Loans and leases | $17.55B | |
| Total equity | $0 | |
| Loans / deposits | 71.13% (p17 of band) | 85.78% |
| Liquid assets / assets | 62.38% (p95 of band) | |
| Uninsured deposits / deposits | 54.86% (p93 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.78% (p21 of band) | |
| FHLB advances / assets | – | |
| Tier 1 leverage | 0.00% (p3 of band) | 10.17% |
| Unrealized securities loss / equity | – | -7.43% |
| AOCI / equity | – | |
| ROA (annualized) | 0.00% (p4 of band) | 1.24% |
| Net interest margin | 0.00% (p3 of band) | 3.57% |
| Efficiency ratio | 0.00% (p3 of band) | |
| Noncurrent loans | 1.63% (p89 of band) | 0.66% |
| Net charge-offs (annualized) | 0.00% (p11 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 24% | |
| Construction % of loans | – | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | 22.0% | |
| Employees | 0 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **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 | 5 | wholesale funding >15%, leverage <7%, leverage <5%, NIM <2.5% |  |
| 2011-06 | 4 |  | wholesale funding >15% |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 5 | assets shrinking |  |
| 2013-06 | 5 |  |  |
| 2013-09 | 5 |  |  |
| 2013-12 | 4 |  | assets shrinking |
| 2014-03 | 4 |  |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 5 | assets shrinking |  |
| 2015-09 | 5 |  |  |
| 2015-12 | 4 |  | assets shrinking |
| 2016-03 | 5 | assets shrinking |  |
| 2016-06 | 5 | deposits shrinking | assets shrinking |
| 2016-09 | 7 | assets shrinking, uninsured deposits leaving |  |
| 2016-12 | 7 |  |  |
| 2017-03 | 8 | loans exceed deposits |  |
| 2017-06 | 7 |  | loans exceed deposits |
| 2017-09 | 6 |  | assets shrinking |
| 2017-12 | 7 | assets shrinking |  |
| 2018-03 | 5 |  | deposits shrinking, uninsured deposits leaving |
| 2018-06 | 6 | deposits shrinking |  |
| 2018-09 | 5 |  | deposits shrinking |
| 2018-12 | 5 | deposits shrinking | assets shrinking |
| 2019-03 | 7 | assets shrinking, uninsured deposits leaving |  |
| 2019-06 | 6 |  | assets shrinking |
| 2019-09 | 7 | assets shrinking |  |
| 2019-12 | 6 |  | uninsured deposits leaving |
| 2020-03 | 5 | loans exceed deposits | deposits shrinking, assets shrinking |
| 2020-06 | 4 |  | loans exceed deposits |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 5 | noncurrent p90 |  |
| 2021-06 | 7 | deposits shrinking, assets shrinking |  |
| 2021-09 | 7 |  |  |
| 2021-12 | 6 |  | assets shrinking |
| 2022-03 | 7 | assets shrinking |  |
| 2022-06 | 5 |  | deposits shrinking, assets shrinking |
| 2022-09 | 6 | deposits shrinking |  |
| 2022-12 | 7 | assets shrinking |  |
| 2023-03 | 7 | uninsured deposits leaving | assets shrinking |
| 2023-06 | 7 | assets shrinking | uninsured deposits leaving |
| 2023-09 | 6 |  | deposits shrinking |
| 2023-12 | 6 |  |  |
| 2024-03 | 5 |  | assets shrinking |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 6 | deposits shrinking |  |
| 2025-03 | 7 | assets shrinking |  |
| 2025-06 | 5 |  | deposits shrinking, assets shrinking |
| 2025-09 | 6 | assets shrinking |  |
| 2025-12 | 5 |  | assets shrinking |
| 2026-03 | 5 |  |  |
| 2026-06 | 5 | uninsured deposits >50% | noncurrent p90 |

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

- 2026-07-27 [New York Governor’s Office Texted With Bank of China — But Claims It Can’t Find the Messages - dominotheory.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxPZ3dRVHdjRVMxOFFPWkFGR3l1eEI0M01OeElHNnRINEdTY2wwZHVkUUdUVy01cVhrTkxRR2hSOUdYTU5odFFlMVNVUHlwbTFvS0tPNUVXbkdJU3U3MS1KbTJhSmxsWUVGMTN4X0NXN25vWXlWWHdES2NlZ2x1cGlEZ2RsSmx2OUN5am85M1N3eVM2a0YxNFFIYjJZUFdCaGFYY0NLWEdabzlBN1ZrR2dWMTNtVW0?oc=5) · dominotheory.com
- 2026-05-26 [Bank of China Targets Big NY Loan - Green Street News](https://news.google.com/rss/articles/CBMiekFVX3lxTE83d0pWc191U3ZXU1dLTF9FWm8wRnd1VnJUMm1WVXhUMUhLdW5aV0EwdExLOE5nMkNjUnh4N0huVVJmVHVlZ0VFRzlYMFVmOW5LZ1NQbmFRUnM5SE9INU85RzBNM3B4RFpuWFBfY2dhWDNCQkV0bVJIdFlB?oc=5) · Green Street News
- 2025-11-21 [We Now Have a Better Picture of China’s Global Lending Spree - The New York Times](https://news.google.com/rss/articles/CBMiekFVX3lxTE43dVVnX1VVVFh3MERTTExjQjFVcnJKNndVdEpiTlJ6dFVadlNKN2J5WlBRbTlTaFdRaGRaTEQ2ZjNndVF2bHpEcXJyNDZtalJQTFdCaThxVGVQSW9RWlZlczlSclVBSU4yRUJsUHA4VWg4Mjg2bGg2cTBB?oc=5) · The New York Times
- 2026-01-07 [Top 10 Asian American-Owned Banks - Investopedia](https://news.google.com/rss/articles/CBMiekFVX3lxTE1xUlFhQnJic2FTUklRWHZ0U0tuMFJVZV92RjRUZkRCaFI0cmFQWlBUb2U2UzBxX2swYkwtY0RudTNJbXJkVENxYW5WYV93dHp0UVhRbmtDRzlySWJtVDFSaUpPQ2JONDN2QkhGQlBBdWw1OXZWT2pxTl9n?oc=5) · Investopedia
- 2026-03-05 [Center Stage: The NY Phil’s Year of the Horse and an NYCB Tribute to Megan Fairchild - New York Social Diary](https://news.google.com/rss/articles/CBMiugFBVV95cUxQWTk2RTFGMU5kUjVnQ1RVNk5ZRXlteTlpbnI2el9hUUJudkUtdHlRT1B4WmhCN2VkZE5aTF90aDRocVlpeVdKMGpOcTdpalpXUGtYdVRKQ0N4RUliUkYwc29lRGtKQnQ4U0lab3pvTk5uVTc4R3pBcWZyQ2dUTVNrS0N0QXphcE1YSWlfek5mNV91Z0Q3Y1MxRHhTR2ZNeUdDem04Qnk2bXFfM09rb0I0bG03TDZraFJsZEE?oc=5) · New York Social Diary
- 2026-03-10 [Federal Reserve Board announces termination of enforcement actions with Industrial and Commercial Bank of China Ltd., Industrial and Commercial Bank of China Ltd., New York Branch, Standard Chartered PLC, and Standard Chartered Bank - InsuranceNewsNet](https://news.google.com/rss/articles/CBMi0gJBVV95cUxQOXVXLXFQM1dGQXUyYWZOeWxRdW0zbE5pVmdiS1pubENXdXlrTzdWbXRIaHJlWVNvTTdjV2ZJR21IeGxWcEpmaGt2RldCT1FQTlo4dHRROHZRRGNQSnBUWDFWaDFqa2d1WDdzdGZTVW52SS04UFFiNzJQUHhNd0o2RnpTSU9BRWFaUG1RRF9CZWRYelRxbmJ4b2NjWGR1dmFkTEZvVWhHcEp5XzlOZmpjdlF3TGFXbDZyT1F1eF9iS2Nzc0FBWlh1NDVnX3RHckFlS0NIa0RFQTlEYm9LZWZPVFIwZXNBTVEyQU1CWUpLWF9BSG5UZUl2a2x5SDRPMzVKSlAzZmg2UG1mN3JNSTY2Y2JydEw2VkZ4Umo3SGx2c2xZMFEwUzg4U0ozcUVNMkZoaFZzYlhPVFhrMnFqOEZPYS12cVNOLVlKakxhdjNqQVBSQQ?oc=5) · InsuranceNewsNet
- 2026-03-10 [Federal Reserve Board announces termination of enforcement actions with Industrial and Commercial Bank of China Ltd., Industrial and Commercial Bank of China Ltd., New York Branch, Standard Chartered PLC, and Standard Chartered Bank - Bitget](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5DSWNfbWw3cXNGUmZCdXFVMUh2Y010REFiNHgyaVU3R1dDWDRIUndaTjI5bGpueDJVeFB4RHdZeWJuaXRoSUZJX1QxQVJObnltT1NpWTdRRFNDQjBCVUHSAWNBVV95cUxPMnpKMHRGT3Q1SVdZNjc1VDVXTldvUnpIWVpMRnp6MkVxdGRtb3I5VzdUU1lWelNUdnRITVVVVTdzRTlrVXQ3UWVjODloTXpiZzdkZEszc0NwR05BOUJDRlhUTG8?oc=5) · Bitget
- 2026-05-01 [Why Countries Are Stocking Up on Gold - The New York Times](https://news.google.com/rss/articles/CBMif0FVX3lxTE9zZXg3SEJPcXUzVWowS0JTaUxPM3BoTGdVVlJHYXR0LXRKZkFyY0JGMEJhaVhkZW9ScngxNy1tdWpMcXBLQ19ENC1yeW5nOHhubTBLYTZFQW50blhXVzdSdGpKTzRyQmx3M2UzMkZtWjY1ZVVpTS1hYm1NallZbDg?oc=5) · The New York Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33653 (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/53.json (key "33653", 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.

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