Bank of China

New York, New YorkFDIC Cert #33653

OCCEstablished 19121 branch

Holding company: Not reportedRegulator: OCC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE
Investor CRE
Multifamily	$1.19B
Construction	$829M
1–4 family	$10.8M
C&I	$9.27B
Agriculture
Other

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$16.7B

+8.9%y/y

FDICLNLSGR

Net loans

$16.7B

+8.9%y/y

FDICLNLSNET

Loans YoY

+8.86%

+395.4%y/y

FDICLNLSNET

L/D

82.9%

−0.1%y/y

FDICLNLSNET + DEP

Loans/assets

37.6%

+3.7%y/y

FDICLNLSNET + ASSET

RE loans %

12.13%

−10.0%y/y

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

FDICLNRENROW + LNLSGR

Investor CRE %

FDICLNRENROT + LNLSGR

C&I %

55.42%

+2.6%y/y

FDICLNCI + LNLSGR