Bank of China
New York, New York · $48.52B in assets · beside the 11 other New York banks over $10B
The filing
Bank of China is the third largest of the 12 New York banks nearest its size over $10B, with $48.52B in assets at 30 June 2026. Loans are 71.1% of deposits, 4th of 12 against a median of 84.8%. Loans grew +9.9% in the year, 5th of 12, and deposits grew 22.0%; the cohort's median loan growth is +6.9%.
Noncurrent loans are 1.63% of the book, the highest in the cohort against a median of 0.51%; 0.00% is 30 to 89 days past due, and the allowance is no record of loans. Commercial real estate is 10.8% of loans, 5th of 12 against a median of 25.4%.
The question is where the nonperforming loans sit by category, and whether the allowance and the capital behind them hold under a loss path.
Commercial real estate against capital
| Bank of China | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | no record | 228% | |
| Construction against capital, the 100% screen | no record | 5% | |
| Construction and land development, share of loans | 4.3% | 10th of 12 | 1.4% |
| Non-owner-occupied nonfarm nonresidential, share of loans | no record | 18.0% | |
| Total CRE, the guidance definition, share of loans | 10.8% | 5th of 12 | 25.4% |
| CRE growth over 36 months, the third prong | -34.3% | 1st of 10 | +18.8% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $69.15B | no record | no record | 0.60% | no record | no record | 52.6% | no record | |
| $58.37B | no record | no record | 0.51% | no record | no record | 201.3% | no record | |
| $48.52B | no record | no record | 1.63% | no record | no record | 71.1% | no record | |
| $40.53B | 1.0% | 63.7% | 0.92% | 0.00% | 0.2% | 55.1% | 24.5% | |
| $22.51B | no record | no record | 0.00% | no record | no record | 107.5% | no record | |
| $19.89B | 0.4% | 80.2% | 0.44% | 0.04% | 0.4% | 85.6% | 8.1% | |
| $17.45B | 1.2% | 58.0% | 0.50% | 0.11% | 0.8% | 75.9% | 9.6% | |
| $16.24B | no record | no record | 0.00% | no record | no record | 104.7% | no record | |
| $16.09B | 1.2% | 59.2% | 0.55% | 0.16% | 1.2% | 86.8% | 11.6% | |
| $15.69B | 1.0% | 61.7% | 0.00% | 0.00% | 0.8% | 26.4% | 8.6% | |
| $15.03B | 1.0% | 49.7% | 0.64% | 0.34% | 1.0% | 84.0% | 11.3% | |
| $15.03B | 1.0% | 55.2% | 0.39% | 0.06% | 0.8% | 98.7% | 14.4% |
| Bank of China | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $15.23B | $17.55B | +15% | $8.75B | $12.84B | +47% |
| Deposits | $19.02B | $24.67B | +30% | $10.48B | $14.38B | +37% |
| NPA / loans | 1.85% | 1.63% | -0.22 pts | 0.57% | 0.51% | -0.06 pts |
| Efficiency | no record | no record | 63.0% | 59.2% | -3.8 pts | |
| ROA | no record | no record | 1.12% | 0.98% | -0.14 pts | |
This read was prepared for Bank of China's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Bank of China is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort NY banks over $10B
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