TellerScore

Shinhan Bank America is a state-chartered bank headquartered in New York, New York, in business for about 36 years. At the end of Q2 2026 it reported $2.2B in total assets and $1.9B in deposits, with 14 offices across 5 states.

Shinhan Bank America has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 56th. Problem-loan coverage contributes the most (93/100, 3.7%); funding & liquidity contributes the least (26/100, 93% loans-to-deposits, 52% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Tier 1 leverage ratio: 12.47%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.57%
Earnings45/100
Return on assets (annualized): 0.61%
Funding & liquidity26/100
Loans ÷ deposits and uninsured-deposit share: 93.4% · 52.0% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.75%

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 rose 2 points (63 → 65), mostly because the earnings component improved by 17 points.

TellerScore
525965Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202456
Q4 202454
Q1 202552
Q2 202563
Q3 202562
Q4 202563
Q1 202665
Q2 202665
Tier 1 leverage ratio
5.00%8.89%12.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.68%
Q3 202410.57%
Q4 202410.10%
Q1 202510.59%
Q2 202512.78%
Q3 202512.33%
Q4 202512.53%
Q1 202612.73%
Q2 202612.47%
Noncurrent loans
0.44%0.59%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.54%
Q3 20240.52%
Q4 20240.50%
Q1 20250.73%
Q2 20250.47%
Q3 20250.45%
Q4 20250.44%
Q1 20260.55%
Q2 20260.57%
Return on assets
-0.04%0.29%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.10%
Q3 20240.12%
Q4 20240.13%
Q1 2025-0.04%
Q2 20250.20%
Q3 20250.35%
Q4 20250.42%
Q1 20260.58%
Q2 20260.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$2.2B12.47%0.57%0.61%93.4%
Q1 202665$2.0B12.73%0.55%0.58%103.7%
Q4 202563$1.9B12.53%0.44%0.42%103.9%
Q3 202562$1.9B12.33%0.45%0.35%101.7%
Q2 202563$1.9B12.78%0.47%0.20%97.9%
Q1 202552$1.8B10.59%0.73%-0.04%97.6%
Q4 202454$1.7B10.10%0.50%0.13%98.3%
Q3 202456$1.7B10.57%0.52%0.12%97.5%
Q2 202455$1.7B10.68%0.54%0.10%102.6%

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 ratio12.47%
80th
Total risk-based capital18.46%
88th
Problem loans0.57%
46th
Net charge-offs-0.01%
94th
Return on assets0.61%
11th
Net interest margin3.72%
51st
Efficiency ratio74.4%
14th
Loans to deposits93.4%
31st
Uninsured deposits52.0%
8th
Loan-loss reserves0.74%
12th
Texas ratio3.7%
49th

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InstitutionScoreAssetsCapitalProblem loansCompare
Maspeth Federal Savings and Loan AssociationBank Maspeth, NY74 out of 100, Strong$2.2B34.9%1.22%vs
Mizuho Bank (USA)Bank New York, NY62 out of 100, Moderate$2.1B7.0%0.00%vs
Hanover Community BankBank Garden City Park, NY49 out of 100, Below average$2.3B9.8%1.42%vs
The Lyons National BankBank Lyons, NY63 out of 100, Moderate$2.1B9.0%0.48%vs
Pioneer Bank, National AssociationBank Albany, NY62 out of 100, Moderate$2.3B10.0%0.48%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs

Deposit insurance

Is my money safe at Shinhan Bank America?

Yes. Shinhan Bank America is an FDIC-insured institution (FDIC certificate #33188). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 52.0% of deposits ($999.1M) 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 12.47%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.46% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

Shinhan Bank America lists 14 offices in 13 cities across 5 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Shinhan Bank America
Former names
CHB America Bank; Cho Hung Bank of New York; Chohung Bank of New York
Type
State-chartered bank
FDIC certificate #
33188
RSSD ID
1494914
Primary regulator
FDIC
Holding company
Shinhan Financial Group Co Ltd
Established
October 18, 1990
Headquarters
475 Park Ave S, New York, NY 10016
Employees
256

Quick answers

Shinhan Bank America: common questions

Is Shinhan Bank America FDIC insured?

Yes. Shinhan Bank America is an FDIC-insured institution (FDIC certificate #33188). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Shinhan Bank America's TellerScore?

65 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 Shinhan Bank America ever failed?

There is no failure record for FDIC certificate #33188 in the FDIC failed bank list.

How many branches does Shinhan Bank America have?

14 offices as of the latest FDIC data, in 5 states.

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