# STANDARD CHARTERED BANK PLC
NEW YORK, NY · FDIC certificate 33692 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $69.15B | |
| Deposits | $56.81B | |
| Loans and leases | $29.87B | |
| Total equity | $0 | |
| Loans / deposits | 52.59% (p7 of band) | 85.78% |
| Liquid assets / assets | 55.24% (p92 of band) | |
| Uninsured deposits / deposits | 0.00% (p1 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.96% (p35 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 | 0.60% (p46 of band) | 0.66% |
| Net charge-offs (annualized) | 0.00% (p11 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 7% | |
| Construction % of loans | – | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | 31.4% | |
| Employees | 0 | |

## Flags firing in the latest filing

- **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 | 5 | wholesale funding >15% |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 5 |  |  |
| 2012-06 | 4 |  | wholesale funding >15% |
| 2012-09 | 4 |  |  |
| 2012-12 | 5 | wholesale funding >15% |  |
| 2013-03 | 5 |  |  |
| 2013-06 | 6 | deposits shrinking |  |
| 2013-09 | 5 |  | deposits shrinking |
| 2013-12 | 4 |  | wholesale funding >15% |
| 2014-03 | 4 |  |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 5 | wholesale funding >15% |  |
| 2015-03 | 5 |  |  |
| 2015-06 | 4 |  | wholesale funding >15% |
| 2015-09 | 6 | wholesale funding >15%, assets shrinking |  |
| 2015-12 | 7 | deposits shrinking |  |
| 2016-03 | 7 |  |  |
| 2016-06 | 6 |  | wholesale funding >15% |
| 2016-09 | 7 | wholesale funding >15% |  |
| 2016-12 | 7 |  |  |
| 2017-03 | 7 |  |  |
| 2017-06 | 5 |  | assets shrinking, deposits shrinking |
| 2017-09 | 5 | assets shrinking | wholesale funding >15% |
| 2017-12 | 5 |  |  |
| 2018-03 | 5 |  |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 4 |  | assets shrinking |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 5 | assets shrinking |  |
| 2022-12 | 4 |  | assets shrinking |
| 2023-03 | 5 | deposits shrinking |  |
| 2023-06 | 4 |  | deposits shrinking |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | deposits shrinking |  |
| 2024-03 | 6 | assets shrinking |  |
| 2024-06 | 6 |  |  |
| 2024-09 | 6 |  |  |
| 2024-12 | 6 |  |  |
| 2025-03 | 4 |  | deposits shrinking, assets shrinking |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 5 | assets shrinking |  |
| 2026-06 | 4 |  | assets shrinking |

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

- 2011-08-24 [Yahiayan to Speak at St. James Dinner - The Armenian Weekly](https://news.google.com/rss/articles/CBMigAFBVV95cUxQTzdTT1Q0WU16MFJBcm84OGtRTjZBbHl2V1dGTW9iTWV0OW5SSDdNNWNwaVNaWXpuZHN6R3FNYnFCQU00UkZfNHgyWnlLV3BuWXpRVHVQLWJtU0VlV0ZWSVh2QnNPYnpzbE9xRHBHYXhrWUptOW0wNVdiX2xoWkpwUg?oc=5) · The Armenian Weekly
- 2022-09-22 [Intention must be matched by action and action backed by accountability: Bank of New York Mellon’s Pallavi Shome - People Matters - HR News](https://news.google.com/rss/articles/CBMi9wFBVV95cUxQTjQ2WkpHaWdsWEsyRjlaZXdNUkZGWTBvM2c4blFMZkFrb0tOZ0FmdkQ5b3UyMkhFQmc3bWpqcmVaMlQ0dTBTdnlXaXBKZi16WS1McXBydTNMLWkwYlljbGRqLXFhZHJEandROGNPRjg4MHRtQllTNlZ2akxTRFBBaS1qTXdLTnlWZFNhWUtkY0Y4VjV5TTJKUXlSd3dkTHF4WUNraGJRRHVwRkpRdVNkS1ZzMl9iSUsxaEJIUl9UUWduVTlYUXRINFA2bnAwM3oxZm5QbzRjRkpQOXdMSkhwVS1HNi1pT1RraHJ1dHNVWEZzb25sazJZ?oc=5) · People Matters - HR News
- 1986-11-24 [BARCLAYS BANK REPORTEDLY PLANS TO DIVEST SOUTH AFRICAN HOLDINGS (Published 1986) - The New York Times](https://news.google.com/rss/articles/CBMisgFBVV95cUxQanZ5d0RBUE10N2NOb3VDWklMbGVBdUExcDVqRjBKSzNpRk1rNGJCRnR4X1MyOXBoWVJlTXFsXy1tZjBBaW5qZV9keWZ0T3AzdWN4RnEwWnlWWjFUX2dLMlY5Qm9QTUYtWTJNNS0xWkNBVDZZNHlSOW1OMENjSWhIQ2RFQ19UMXVINGJyZk1MQlNEbGhVNTF5TjBGak5rVkhMNnByekxnQTBoYkJacm43YXV3?oc=5) · The New York Times
- 2023-12-21 [The Future is female! Ms. Kapumpe Chola has been appointed as new CEO of FNB Zambia. She joins other female CEOs and MDs holding these prestigious top bank positions previously dominated by men. For example, Citibank Zambia is headed by Ms. Lo - facebook.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxQOWwwWG5WRFdPb09rbEUtWFNqX3Z2UUVfRTQ1WEE2SHRmd3RJU0tVanFGczU3bldQWUJqaldWYXlzUk5obWQ1VGdncE5WSV8zaEJ5VXJadDNZQ2gwOC1hMGlEVWtVcTl0dkI3STR1VWNOVFNTRkhER3JNTGFKS0EtTHUzVHJoOVlWMWpqN3lpUk9jcGcwaW4zcnhtS2FBVjhvNHY5ZTl6aFlsUHhzcGpkRzM4SVNkYTlJeldtMEFxcHJJX2Jjd3lWREhFUFNOSGpnQzBWcUVQdW11YnMxeGVjVGJiQQ?oc=5) · facebook.com
- 1983-05-04 [BUSINESS PEOPLE; Mocatta Metals Fills Post of President (Published 1983) - The New York Times](https://news.google.com/rss/articles/CBMipgFBVV95cUxPZUZRdnhhWFRQeW5abHFIQmFVdGRDczNGTG1QODJfOVh5R3J1VnFqYVJ3aFNBb1ZZd0VTRE5LVWozSkI1VmpURGw1dkNCY0FBbUNTWWJVenBWalBxQnNfbi1aZFNneEtsMmVmbUg2VEVfdXloY1UxNnBKMDBpOVVvcmVkeW9tODJlcHdDekY4X3BET0ZWZzBXZjQ5TktYV292VUEtcUhR?oc=5) · The New York Times
- 2024-03-22 [36% Of Nigerian Major Banks’ CEOs Now Women - LEADERSHIP Newspapers](https://news.google.com/rss/articles/CBMickFVX3lxTFBwNFhRaFdPN3RheHBCMHZLaF9EckhHRXZpMUxJdDRwdDR3dVhsR01uUWszaDFnU091bjU0SkJUT0trZXpCaU9mc0E4WEtfZVNZQlpWLWRQQ3dweG1VdVVodVB6c3dCWkVFb1VvUHVpbE5GZw?oc=5) · LEADERSHIP Newspapers
- 2020-07-27 [Meet 30 Top-Notch Women Who Play BIG In Banking - City People Magazine](https://news.google.com/rss/articles/CBMiiAFBVV95cUxONnlKUUsxcW1ncWdjTEFRUnVmdkZLbjZaQU5YTmhqVWI4a2VmMUc5UFozSHlGcUFoRjEzeDcweWhDWVR1QnhlMFNCWFBKU25kWW9KT3NJLVlFekpsMkpJZ0lENnpDT2R2LU9XRmNBWkQyM1B4MnRVaHdrZDQ4dkVjSnpMV09mMVN1?oc=5) · City People Magazine
- 2019-04-10 [StanChart Fined US$18 Million For Violating US-Zim Sanctions - Pindula News](https://news.google.com/rss/articles/CBMinwFBVV95cUxNaERTYnJMQmNOTUNFMUd5eHViYnR4YUV0TkJLME5kYlgwN2w2anRlZGEyY0JHZDA3czhlMUtXZFpuWWFodjA0ZTRWcEJCa0xqTXRXSXFqZi1MN0JuT3EyeUZ6Ti00bi1LVzVvZ1dXdkUtV3hVMHF3RXd6RHgxM1c4QkFmekxXczlEQWFnWi1UbTdrVXBIdG1VTFR6SThGZG_SAacBQVVfeXFMTlJBTFJ4cGdhaEVOdTRoaXdWN2wtTVpEWGJNMEg5SG1Qd2ttQ2laVkJaaUlnN0pEVFlrd0lZNk9hWmlBQ083ZkstTjNtWDZQaEt2bW1aYjBVUENFcTRsYUtDUzRFaE50N3FzNmpETklzYUdIeGhEVnFWMzE4XzNjaF9lSVk3YlN1c2xvLXZWWEVsVDA5OS1FU1IzT2VYSnRfYmNiX0RBR00?oc=5) · Pindula News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33692 (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/28.json (key "33692", 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