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Industrial And Commercial Bank Of China Usa National Association

IDRSSD: 1015560
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2024-Q1QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #1015560 2024-Q1 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Watch
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 127.0% (threshold 100%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 36.0% (Adjusted NPL + Performing Mods denominator).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.64% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -3 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -8

The five pillars

Liquidity

WatchQoQ -7
44
Sub-score

Liquidity is deteriorating: brokered 30.2%, loans/deposits 127.0%, cash 2.6% of assets.

Cash / Assets
2.64%
Loans / Deposits
127.00%
Brokered %
30.21%

Watch Items

  • infoBrokered deposits above 30% — Brokered 30.2% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 127.0% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.64% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.30%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.55%, CET1 16.55%, leverage 15.69%.

Tier 1 RBC
16.55%
CET1
16.55%
Leverage
15.69%
No watch items at this period.

Asset Quality

StrongQoQ -3
85
Sub-score

Asset quality is strong: Adjusted NPL 1.75%, Texas Ratio 9.7%, NCO YTD 0.60%.

Adjusted NPL
1.75%
Govt-guarantees stripped
Texas Ratio
9.7%
NCO YTD
0.60%
30-89 PD
0.12%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -8
15
Sub-score

Reserves are weak: ALLL 0.87% of loans, coverage 50.0%, true coverage 36.0%.

ALLL / Loans
0.87%
Coverage
50.0%
True Loss Coverage
36.0%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 36.0% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 05:39:18 UTC