Headquartered in New York, New York, Industrial and Commercial Bank of China USA, National Association is a national bank with $2.9B in total assets and $2.2B in deposits as of Q2 2026. It operates 14 offices across 2 states. Its charter dates back to 1983.
Based on its Q2 2026 filing, Industrial and Commercial Bank of China USA, National Association scores 49/100, which we describe as below average. That is higher than only 6% of 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 96th. Its strongest component is capital cushion (100/100; 17.26%), and its lowest is loan quality (0/100; 4.20%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (49 → 49).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 65 |
| Q4 2024 | 64 |
| Q1 2025 | 50 |
| Q2 2025 | 49 |
| Q3 2025 | 48 |
| Q4 2025 | 49 |
| Q1 2026 | 48 |
| Q2 2026 | 49 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.10% |
| Q3 2024 | 16.03% |
| Q4 2024 | 16.21% |
| Q1 2025 | 17.00% |
| Q2 2025 | 16.78% |
| Q3 2025 | 16.71% |
| Q4 2025 | 16.74% |
| Q1 2026 | 16.94% |
| Q2 2026 | 17.26% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.65% |
| Q3 2024 | 1.68% |
| Q4 2024 | 1.75% |
| Q1 2025 | 4.09% |
| Q2 2025 | 4.41% |
| Q3 2025 | 4.29% |
| Q4 2025 | 4.33% |
| Q1 2026 | 4.18% |
| Q2 2026 | 4.20% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.82% |
| Q3 2024 | 0.74% |
| Q4 2024 | 0.71% |
| Q1 2025 | 0.49% |
| Q2 2025 | 0.50% |
| Q3 2025 | 0.48% |
| Q4 2025 | 0.52% |
| Q1 2026 | 0.52% |
| Q2 2026 | 0.67% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 49 | $2.9B | 17.26% | 4.20% | 0.67% | 122.0% |
| Q1 2026 | 48 | $2.9B | 16.94% | 4.18% | 0.52% | 118.6% |
| Q4 2025 | 49 | $2.9B | 16.74% | 4.33% | 0.52% | 123.0% |
| Q3 2025 | 48 | $2.9B | 16.71% | 4.29% | 0.48% | 125.6% |
| Q2 2025 | 49 | $2.9B | 16.78% | 4.41% | 0.50% | 119.8% |
| Q1 2025 | 50 | $2.8B | 17.00% | 4.09% | 0.49% | 125.7% |
| Q4 2024 | 64 | $2.9B | 16.21% | 1.75% | 0.71% | 119.9% |
| Q3 2024 | 65 | $2.9B | 16.03% | 1.68% | 0.74% | 123.9% |
| Q2 2024 | 66 | $2.9B | 16.10% | 1.65% | 0.82% | 133.8% |
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).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Habib American BankBank New York, NY | 61 out of 100, Moderate | $2.8B | 8.5% | 0.73% | vs |
| Chemung Canal Trust Company, National AssociationBank Elmira, NY | 72 out of 100, Strong | $2.8B | 11.4% | 0.38% | vs |
| Orange Bank & Trust CompanyBank Middletown, NY | 73 out of 100, Strong | $2.8B | 13.2% | 1.12% | vs |
| Interaudi BankBank New York, NY | 47 out of 100, Below average | $2.7B | 10.0% | 2.36% | vs |
| Bank of GreeneBank Catskill, NY | 77 out of 100, Strong | $3.2B | 9.9% | 0.23% | vs |
| Esquire Bank, National AssociationBank Jericho, NY | 81 out of 100, Strong | $2.5B | 11.7% | 0.27% | vs |
Deposit insurance
Is my money safe at Industrial and Commercial Bank of China USA, National Association?
Yes. Industrial and Commercial Bank of China USA, National Association is an FDIC-insured institution (FDIC certificate #24387). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 37.2% of deposits ($822.3M) 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 17.26%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.27% (benchmark: 10%).
14 locations
Branches
Industrial and Commercial Bank of China USA, National Association lists 14 offices in 11 cities across 2 states. Most locations:
- San Francisco, CA (3)
- New York, NY (2)
- Alhambra, CA (1)
- Brooklyn, NY (1)
- Flushing, NY (1)
- Hacienda Heights, CA (1)
- Oakland, CA (1)
- San Gabriel, CA (1)
- South San Francisco, CA (1)
- Temple City, CA (1)
- Torrance, CA (1)
CFPB complaint database
Consumer complaints
Over the last three years, the CFPB forwarded 20 consumer complaints about INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION to the company (7 in the last 12 months). 100.0% received a timely response. That is 9.1 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.
Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.
Identity & history
Profile
- Legal name
- Industrial and Commercial Bank of China USA, National Association
- Former names
- The Bank of East Asia (USA), National Association; Grand National Bank; Industrial and Commercial Bank of China (USA), National Association; The Bank of East Asia, (U.S.A.), National Association
- Type
- National bank
- FDIC certificate #
- 24387
- RSSD ID
- 1015560
- Primary regulator
- OCC
- Holding company
- China Investment Corp
- Established
- February 14, 1983
- Headquarters
- 1185 Avenue Of The Americas, New York, NY 10036
- Website
- www.icbc-us.com
- Employees
- 289
Quick answers
Industrial and Commercial Bank of China USA, National Association: common questions
Is Industrial and Commercial Bank of China USA, National Association FDIC insured?
Yes. Industrial and Commercial Bank of China USA, National Association is an FDIC-insured institution (FDIC certificate #24387). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Industrial and Commercial Bank of China USA, National Association's TellerScore?
49 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Industrial and Commercial Bank of China USA, National Association ever failed?
There is no failure record for FDIC certificate #24387 in the FDIC failed bank list.
How many branches does Industrial and Commercial Bank of China USA, National Association have?
14 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Paul Quinn Federal Credit UnionCredit union Jamaica, NY | 93 out of 100, Very strong | $358K | 26.1% | 0.00% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| Gha Federal Credit UnionCredit union Greenwich, CT | 91 out of 100, Very strong | $29.7M | 17.5% | 0.56% | vs |