Bank of China


1045 Avenue Of The Americas
New York, NY 10018
See all branch locations →

Phone 212 935 3101

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.10% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Bank of China is an FDIC insured institution located in New York, NY. It was founded in 1912 and has approximately $45.38 billion in assets.

FDIC Insured Yes
FDIC Certificate # 33653
Date Established 1912
Assets $ 45.38 billion
Loans $ 15.23 billion
Deposits $ 19.02 billion
Capital N.A.

For a more detailed analysis of Bank of China's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 15, 2021

Your Current Location: Virginia, VA 20146


Loan Rates - October 15, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of China

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.600% 3.500%
0.75 points
$3,125 fees
$1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Note to Bank of China
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Financial Details

Bank of China Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of China. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of China U.S. Bank Average
INF% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, Bank of China had $281,741,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $0 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of INF%.

Return on Equity
Bank of China U.S. Bank Average
0% 11.29%

Bank of China has a Return on Equity of 0% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bank of China U.S. Bank Average
0% 11.72%

Bank of China has a Capitalization of 0% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of China Balance Sheet Analysis

As of June 30, 2021, Bank of China had assets of $45,379,002,000, loans of $15,225,530,000, and deposits of $19,015,811,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 24.38 billion
Interest-bearing balances N.A.
Total securities $ 5.10 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 15.23 billion
Loan loss allowance N.A.
Trading account assets $ 108.63 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 559.12 million
     Total Assets $ 45.38 billion
Total deposits $ 19.02 billion
      Interest-bearing deposits N.A.
      Deposits held in domestic offices $ 17.43 billion
      % insured (estimated) 57.71%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 3.59 million
Other borrowed funds $ 279.51 million
Subordinated debt N.A.
All other liabilities $ 26.08 billion
      Total Liabilities $ 45.38 billion
      Shareholders’ Equity N.A.

Summary Income Statement

June 30, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Bank of China’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in New York, Bank of China has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.15
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 8.49
Commercial Real Estate 21.23
Commercial and Industrial Loans 41.65
Farm Loans 0.00

Frequently Asked Questions About Bank Of China

Branches and Savings

Is Bank Of China FDIC insured?

Yes. It is covered under FDIC Certificate #33653.

Why does Bank Of China pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of China CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of China a commercial bank?


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Does Bank Of China offer mortgages?

Compare mortgage rates here.

Does Bank Of China offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of China offer personal loans?

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Does Bank Of China offer student loans?

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Background on The Bank

Who owns Bank Of China?

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