TellerScore

CTBC Bank Corp. (USA) is a state-chartered bank headquartered in Los Angeles, California, in business for about 61 years. At the end of Q2 2026 it reported $5.9B in total assets and $5.0B in deposits, with 20 offices across 3 states.

CTBC Bank Corp. (USA) has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 79th. Capital cushion contributes the most (97/100, 14.67%); funding & liquidity contributes the least (23/100, 87% loans-to-deposits, 67% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion97/100
Tier 1 leverage ratio: 14.67%
Loan quality48/100
Noncurrent loans ÷ total loans: 1.55%
Earnings55/100
Return on assets (annualized): 0.87%
Funding & liquidity23/100
Loans ÷ deposits and uninsured-deposit share: 87.1% · 66.5% uninsured
Problem-loan coverage83/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.26%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 8 points (72 → 64), mostly because the loan quality component weakened by 44 points.

TellerScore
626772Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202470
Q4 202471
Q1 202572
Q2 202572
Q3 202572
Q4 202569
Q1 202662
Q2 202664
Tier 1 leverage ratio
5.00%9.83%14.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.70%
Q3 202413.67%
Q4 202413.92%
Q1 202514.19%
Q2 202514.06%
Q3 202513.92%
Q4 202513.91%
Q1 202614.31%
Q2 202614.67%
Noncurrent loans
0.23%0.91%1.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.50%
Q3 20240.29%
Q4 20240.33%
Q1 20250.26%
Q2 20250.23%
Q3 20250.28%
Q4 20250.72%
Q1 20261.59%
Q2 20261.55%
Return on assets
0.68%0.80%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.75%
Q3 20240.73%
Q4 20240.75%
Q1 20250.74%
Q2 20250.68%
Q3 20250.76%
Q4 20250.83%
Q1 20260.93%
Q2 20260.87%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$5.9B14.67%1.55%0.87%87.1%
Q1 202662$5.4B14.31%1.59%0.93%95.7%
Q4 202569$5.6B13.91%0.72%0.83%89.4%
Q3 202572$5.5B13.92%0.28%0.76%91.4%
Q2 202572$5.3B14.06%0.23%0.68%94.2%
Q1 202572$5.2B14.19%0.26%0.74%95.3%
Q4 202471$5.2B13.92%0.33%0.75%93.3%
Q3 202470$5.3B13.67%0.29%0.73%95.3%
Q2 202468$5.4B13.70%0.50%0.75%94.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.67%
92nd
Total risk-based capital0.00%
13th
Problem loans1.55%
14th
Net charge-offs0.06%
41st
Return on assets0.87%
22nd
Net interest margin2.97%
14th
Efficiency ratio59.2%
49th
Loans to deposits87.1%
50th
Uninsured deposits66.5%
2nd
Loan-loss reserves1.08%
41st
Texas ratio8.3%
22nd

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers & Merchants Bank of Central CaliforniaBank Lodi, CA79 out of 100, Strong$5.8B11.7%0.13%vs
Fremont BankBank Fremont, CA60 out of 100, Moderate$6.0B8.4%0.39%vs
Westamerica BankBank San Rafael, CA78 out of 100, Strong$5.8B10.3%0.12%vs
River City BankBank Sacramento, CA69 out of 100, Moderate$6.0B9.2%0.00%vs
Five Star BankBank Roseville, CA68 out of 100, Moderate$5.4B10.3%0.30%vs
Smbc ManubankBank Los Angeles, CA54 out of 100, Below average$6.6B9.6%0.30%vs

Deposit insurance

Is my money safe at CTBC Bank Corp. (USA)?

Yes. CTBC Bank Corp. (USA) is an FDIC-insured institution (FDIC certificate #19416). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 66.5% of deposits ($3.3B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.67%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

20 locations

Branches

CTBC Bank Corp. (USA) lists 20 offices in 18 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, CTBC Bank Corp. (USA) reported 474 home-loan applications under HMDA (LEI 5493005LWLLN6G3XQP35): 346 originated ($333,920,000 total), 52 denied, and 69 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
CTBC Bank Corp. (USA)
Former names
Pan American National Bank of Los Angeles; Trans American National BAnk; China Trust Bank of California; Chinatrust Bank (U.S.A.); Trans National Bank
Type
State-chartered bank
FDIC certificate #
19416
RSSD ID
996260
Primary regulator
FDIC
Holding company
Ctbc Financial Holding Co Ltd
Established
April 27, 1965
Headquarters
801 S Figueroa St, Los Angeles, CA 90017
Employees
392

Quick answers

CTBC Bank Corp. (USA): common questions

Is CTBC Bank Corp. (USA) FDIC insured?

Yes. CTBC Bank Corp. (USA) is an FDIC-insured institution (FDIC certificate #19416). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is CTBC Bank Corp. (USA)'s TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has CTBC Bank Corp. (USA) ever failed?

There is no failure record for FDIC certificate #19416 in the FDIC failed bank list.

How many branches does CTBC Bank Corp. (USA) have?

20 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Los Angeles

InstitutionScoreAssetsCapitalProblem loansCompare
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Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs
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