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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q2QoQ +2

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

Quarterly Headline

2024-Q2

Bank #1015560 2024-Q2 Vital Signs Score: 74/100 — 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 133.8% (threshold 100%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.7% (Adjusted NPL + Performing Mods denominator).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.73% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +1

The five pillars

Liquidity

WatchQoQ +1
45
Sub-score

Liquidity is deteriorating: brokered 28.9%, loans/deposits 133.8%, cash 2.7% of assets.

Cash / Assets
2.73%
Loans / Deposits
133.78%
Brokered %
28.91%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 133.8% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.73% 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
0.28%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.37%, CET1 16.37%, leverage 16.10%.

Tier 1 RBC
16.37%
CET1
16.37%
Leverage
16.10%
No watch items at this period.

Asset Quality

StrongQoQ +5
89
Sub-score

Asset quality is strong: Adjusted NPL 1.66%, Texas Ratio 9.3%, NCO YTD -0.06%.

Adjusted NPL
1.66%
Govt-guarantees stripped
Texas Ratio
9.3%
NCO YTD
-0.06%
30-89 PD
0.39%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +1
16
Sub-score

Reserves are weak: ALLL 0.87% of loans, coverage 52.4%, true coverage 37.7%.

ALLL / Loans
0.87%
Coverage
52.4%
True Loss Coverage
37.7%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.7% (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