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Eastbank, National Association

$100M-$1B Specialty: Commercial NY FDIC cert 25749

Designations: ✓ Minority Depository Institution

New York, NY

2664 banks in the $100M-$1B peer group nationally 51 in NY
View $100M-$1B leaderboard (NY) →

Eastbank, National Association has 2 strengths but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 41.3% in tier
  • + Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 4.7% in tier
  • - Deposit Outflow: Bottom 39.9% in tier
  • - Capital Constraint: Bottom 84.3% in tier
  • - Return on Assets 0.91% below tier average
  • - Efficiency Ratio 20.18% above tier average
  • - Non-Interest Income / Assets 0.25% below tier average
  • - Net Interest Margin 0.13% below tier average
Get updates when Eastbank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $145.8M
-3.9% YoY -1.1% QoQ
-$240.3M $386.1M
+0.5% YoY
$19.3B
+17.3% YoY
$6.2B
+9.1% YoY
Bottom 13.1% in tier
Total Loans ? $92.9M
-1.1% YoY +1.3% QoQ
-$162.8M $255.7M
+1.1% YoY
$8.1B
+14.6% YoY
$3.2B
+10.8% YoY
17%
Total Deposits ? $104.7M
-8.3% YoY -1.0% QoQ
-$223.2M $328.0M
+0.1% YoY
$15.1B
+16.0% YoY
$4.8B
+8.2% YoY
Bottom 7.1% in tier
Return on Assets ? 0.36%
+263.6% YoY -56.7% QoQ
-0.91% 1.27%
+12.9% YoY
0.86%
+14.3% YoY
1.23%
+13.4% YoY
Bottom 9.6% in tier
Net Interest Margin ? 3.80%
+30.1% YoY +16.5% QoQ
-0.13% 3.93%
+6.0% YoY
3.45%
+7.0% YoY
3.89%
+5.7% YoY
47%
Efficiency Ratio ? 85.47%
-18.3% YoY +146.9% QoQ
+20.18% 65.29%
-4.5% YoY
69.17%
-3.6% YoY
66.95%
-4.1% YoY
Bottom 9.8% in tier
Delinquency Rate ? 0.00% -0.89% 0.89%
+18.8% YoY
1.13%
+6.9% YoY
0.95%
+18.8% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 88.68%
+7.9% YoY +2.3% QoQ
+12.05% 76.64%
+0.8% YoY
77.98%
+0.4% YoY
76.70%
+0.9% YoY
27%
Non-Interest-Bearing Deposit Share ? 17.08%
+8.0% YoY -9.3% QoQ
-4.94% 22.02%
-1.0% YoY
21.94%
+1.2% YoY
22.01%
-1.2% YoY
32%
Nonperforming Asset Ratio ? 0.00% -0.64% 0.64%
+19.7% YoY
0.73%
+4.5% YoY
0.67%
+19.3% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 31.23%
+7.1% YoY +0.6% QoQ
+15.40% 15.83%
+1.5% YoY
24.83%
+10.8% YoY
17.06%
+0.8% YoY
Top 3.3% in tier
Non-Interest Income / Assets ? 0.03%
-36.2% YoY -99.5% QoQ
-0.25% 0.28%
+9.3% YoY
0.21%
+9.1% YoY
0.32%
+4.1% YoY
Bottom 8.7% in tier

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#275 of 664 • Top 41.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.89%, National: 0.95%)
better than tier avg
664 of 664 Community banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Concerns (3)

Liquidity Overhang

risk
#36 of 739 • Bottom 4.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 31.23%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 88.68%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#203 of 506 • Bottom 39.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally
→ Stable -8 banks QoQ | QoQ rank improving

Capital Constraint

risk
#92 of 108 • Bottom 84.3% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 88.68%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
Tier 1 Capital Ratio: 31.23%
(Tier: 15.83%, National: 17.06%)
better than tier avg
108 of 108 Community banks match · 148 nationally
↑ Growing +19 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.89%
#1 of 2654 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.64%
#1 of 2664 Top 0.1% in $100M-$1B
90
Tier 1 Capital Ratio
capital
Value: 31.23%
Peer Median: 15.83%
#90 of 2664 Top 3.3% in $100M-$1B

Top Weaknesses (6 metrics)

2477
Total Deposits
size
Value: $104.73M
Peer Median: $327.97M
#2477 of 2664 Bottom 7.1% in $100M-$1B
2432
Non-Interest Income / Assets
revenue_mix
Value: 0.03%
Peer Median: 0.28%
#2432 of 2664 Bottom 8.7% in $100M-$1B
2410
Return on Assets
profitability
Value: 0.36%
Peer Median: 1.27%
#2410 of 2664 Bottom 9.6% in $100M-$1B
2403
Efficiency Ratio
profitability
Value: 85.47%
Peer Median: 65.29%
#2403 of 2664 Bottom 9.8% in $100M-$1B
2317
Total Assets
size
Value: $145.76M
Peer Median: $386.08M
#2317 of 2664 Bottom 13.1% in $100M-$1B
2214
Total Loans
size
Value: $92.88M
Peer Median: $255.72M
#2214 of 2664 Bottom 16.9% in $100M-$1B
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