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Eastbank, National Association

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

Designations: ✓ Minority Depository Institution

New York, NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
  • Deposits -1.9% year over year ($104.7M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.42%.
  • Efficiency ratio 83.66% vs a 64.48% peer average.
  • Loan-to-deposit ratio 94.27% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY
View $100M-$1B leaderboard (NY) →

Eastbank, National Association has 2 strengths but faces 6 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 38.2% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 4.5% in tier
  • - Liquidity Strain: Bottom 38.9% in tier
  • - Non-Interest Income / Assets 0.50% below tier average
  • - ROA 0.90% below tier average
  • - Net Interest Margin 0.06% below tier average
  • - Efficiency Ratio 19.18% above tier average
Get updates when Eastbank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $153.0M
+6.9% YoY +5.0% QoQ
-$233.6M $386.6M
+1.2% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
Bottom 14.9% in tier
Total Loans ? $98.7M
+6.6% YoY +6.2% QoQ
-$159.7M $258.3M
+1.7% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
19%
Total Deposits ? $104.7M
-1.9% YoY -0.1% QoQ
-$222.1M $326.7M
+0.7% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
Bottom 6.9% in tier
Return on Assets ? 0.42%
+299.8% YoY +17.6% QoQ
-0.90% 1.32%
+10.8% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
Bottom 10.3% in tier
Net Interest Margin ? 3.93%
+28.7% YoY +3.2% QoQ
-0.06% 3.99%
+5.0% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
49%
Efficiency Ratio ? 83.66%
-20.9% YoY -2.1% QoQ
+19.18% 64.48%
-3.2% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
Bottom 10.2% in tier
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 94.27%
+8.7% YoY +6.3% QoQ
+16.32% 77.95%
+1.0% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
17%
Non-Interest-Bearing Deposit Share ? 18.03%
+16.6% YoY +5.6% QoQ
-4.00% 22.03%
-0.6% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
37%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 29.85%
+1.2% YoY -4.4% QoQ
+13.94% 15.91%
+1.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
Top 4.0% in tier
Non-Interest Income / Assets ? 0.07%
-16.8% YoY +117.5% QoQ
-0.50% 0.57%
+7.6% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
Bottom 9.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 18.0%
+2.6pp YoY
+0.9pp QoQ
 -4.1pp 22.1% 22.1% 22.2% 36%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 0.6%
0.0pp YoY
0.0pp QoQ
 -10.9pp 11.6% 11.0% 12.5% 2%
CRE n/a n/a 39.5% 46.2% 41.4% n/a
1-4 Family 15.4%
-2.2pp YoY
-1.2pp QoQ
 -17.2pp 32.6% 36.6% 31.3% 20%
Consumer n/a n/a 4.1% 5.1% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 29.9%
+0.4pp YoY
-1.4pp QoQ
 +11.0pp 18.8% 26.1% 19.7% 93%
Leverage Ratio 23.0%
+0.9pp YoY
-1.3pp QoQ
 +10.8pp 12.2% 13.9% 12.6% 97%
Total Capital Ratio 31.1%
+0.4pp YoY
-1.4pp QoQ
 +11.2pp 19.9% 27.2% 20.8% 93%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 21
-6 (-22.2%) YoY
-1 (-4.5%) QoQ
 -38 58 914 482 12%
Assets per Employee ($) $7.3M
+37.5% YoY
+10.0% QoQ
 -$233K $7.5M $14.8M $8.8M 57%
Branch Count 1
0 YoY
0 QoQ
 -4 4 27 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.3% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 1.92x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 1.8%
+2.9pp YoY
+0.3pp QoQ
 -10.4pp 12.2% 7.9% 11.6% 6%
Cost of Funds (YTD) 2.3%
-0.4pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.8% 1.7% 83%
Net Income ($, YTD) $315,000
+295.7% YoY
— QoQ
 -$2.2M $2.6M $111.2M $40.4M 7%

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
#253 of 659 • Top 38.2% 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: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Overhang

risk
#34 of 742 • Bottom 4.5% 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: 29.85%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 94.27%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#270 of 691 • Bottom 38.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 94.27%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
107
Tier 1 Capital Ratio
capital
Value: 29.85%
Peer Median: 15.91%
#107 of 2643 Top 4.0% in $100M-$1B

Top Weaknesses (7 metrics)

2462
Total Deposits
size
Value: $104.67M
Peer Median: $326.73M
#2462 of 2643 Bottom 6.9% in $100M-$1B
2390
Non-Interest Income / Assets
revenue_mix
Value: 0.07%
Peer Median: 0.57%
#2390 of 2643 Bottom 9.6% in $100M-$1B
2374
Efficiency Ratio
profitability
Value: 83.66%
Peer Median: 64.48%
#2374 of 2643 Bottom 10.2% in $100M-$1B
2371
Return on Assets
profitability
Value: 0.42%
Peer Median: 1.32%
#2371 of 2643 Bottom 10.3% in $100M-$1B
2250
Total Assets
size
Value: $152.99M
Peer Median: $386.57M
#2250 of 2643 Bottom 14.9% in $100M-$1B
2182
Loan-to-Deposit Ratio
liquidity
Value: 94.27%
Peer Median: 77.95%
#2182 of 2643 Bottom 17.5% in $100M-$1B
2153
Total Loans
size
Value: $98.68M
Peer Median: $258.35M
#2153 of 2643 Bottom 18.6% in $100M-$1B
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