TellerScore

Woori America Bank is a state-chartered bank headquartered in New York, New York, in business for about 42 years. At the end of Q2 2026 it reported $4.1B in total assets and $3.5B in deposits, with 22 offices across 8 states.

Woori America Bank has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 12% of its 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 91st. Problem-loan coverage contributes the most (80/100, 10.1%); funding & liquidity contributes the least (24/100, 86% loans-to-deposits, 69% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Tier 1 leverage ratio: 12.78%
Loan quality36/100
Noncurrent loans ÷ total loans: 1.92%
Earnings49/100
Return on assets (annualized): 0.72%
Funding & liquidity24/100
Loans ÷ deposits and uninsured-deposit share: 86.2% · 68.7% uninsured
Problem-loan coverage80/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.07%

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 17 points (71 → 54), mostly because the loan quality component weakened by 54 points.

TellerScore
546372Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202469
Q4 202470
Q1 202571
Q2 202571
Q3 202572
Q4 202572
Q1 202663
Q2 202654
Tier 1 leverage ratio
5.00%9.29%13.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.37%
Q3 202412.48%
Q4 202412.80%
Q1 202513.25%
Q2 202513.08%
Q3 202513.59%
Q4 202512.66%
Q1 202613.19%
Q2 202612.78%
Noncurrent loans
0.12%1.02%1.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.23%
Q3 20240.23%
Q4 20240.21%
Q1 20250.19%
Q2 20250.30%
Q3 20250.28%
Q4 20250.12%
Q1 20260.79%
Q2 20261.92%
Return on assets
0.38%0.66%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.68%
Q3 20240.74%
Q4 20240.75%
Q1 20250.79%
Q2 20250.90%
Q3 20250.89%
Q4 20250.95%
Q1 20260.38%
Q2 20260.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$4.1B12.78%1.92%0.72%86.2%
Q1 202663$4.0B13.19%0.79%0.38%86.3%
Q4 202572$4.0B12.66%0.12%0.95%88.6%
Q3 202572$4.0B13.59%0.28%0.89%90.3%
Q2 202571$3.9B13.08%0.30%0.90%92.2%
Q1 202571$3.8B13.25%0.19%0.79%95.8%
Q4 202470$3.8B12.80%0.21%0.75%89.3%
Q3 202469$4.0B12.48%0.23%0.74%84.5%
Q2 202470$3.6B13.37%0.23%0.68%92.6%

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 ratio12.78%
83rd
Total risk-based capital19.60%
91st
Problem loans1.92%
9th
Net charge-offs0.02%
59th
Return on assets0.72%
16th
Net interest margin2.93%
13th
Efficiency ratio53.9%
65th
Loans to deposits86.2%
52nd
Uninsured deposits68.7%
2nd
Loan-loss reserves1.63%
90th
Texas ratio10.1%
17th

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Deposit insurance

Is my money safe at Woori America Bank?

Yes. Woori America Bank is an FDIC-insured institution (FDIC certificate #24920). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 68.7% of deposits ($2.4B) 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 12.78%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.60% (benchmark: 10%).

Check how much of your own balance is covered

22 locations

Branches

Woori America Bank lists 22 offices in 20 cities across 8 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Woori America Bank reported 535 home-loan applications under HMDA (LEI 5493001FKX0BM8GN6P73): 401 originated ($236,585,000 total), 64 denied, and 42 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.0%, 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
Woori America Bank
Former names
Hanvit America Bank; Korea Commercial Bank of New York
Type
State-chartered bank
FDIC certificate #
24920
RSSD ID
384018
Primary regulator
FDIC
Holding company
Woori Financial Group Inc
Established
January 27, 1984
Headquarters
330 5th Ave, New York, NY 10001
Employees
288

Quick answers

Woori America Bank: common questions

Is Woori America Bank FDIC insured?

Yes. Woori America Bank is an FDIC-insured institution (FDIC certificate #24920). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Woori America Bank's TellerScore?

54 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 Woori America Bank ever failed?

There is no failure record for FDIC certificate #24920 in the FDIC failed bank list.

How many branches does Woori America Bank have?

22 offices as of the latest FDIC data, in 8 states.

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