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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 — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2025-Q4QoQ 0

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

Quarterly Headline

2025-Q4

Bank #1015560 2025-Q4 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 17.6% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 17.6% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 123.0% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ 0

The five pillars

Liquidity

WatchQoQ 0
49
Sub-score

Liquidity is deteriorating: brokered 25.1%, loans/deposits 123.0%, cash 3.4% of assets.

Cash / Assets
3.36%
Loans / Deposits
122.96%
Brokered %
25.11%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 123.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.26%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.06%, CET1 17.06%, leverage 16.74%.

Tier 1 RBC
17.06%
CET1
17.06%
Leverage
16.74%
No watch items at this period.

Asset Quality

StableQoQ 0
67
Sub-score

Asset quality is stable: Adjusted NPL 4.37%, Texas Ratio 23.3%, NCO YTD 0.04%.

Adjusted NPL
4.37%
Govt-guarantees stripped
Texas Ratio
23.3%
NCO YTD
0.04%
30-89 PD
0.10%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.37% (govt-guarantees stripped).

Reserves

RiskQoQ 0
9
Sub-score

Reserves are weak: ALLL 0.76% of loans, coverage 17.6%, true coverage 17.6%.

ALLL / Loans
0.76%
Coverage
17.6%
True Loss Coverage
17.6%

Watch Items

  • riskALLL / NPL below 50% — Coverage 17.6% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 17.6% (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