BlastPoint

BlastPoint's Banking Scorecard

Amerasia Bank

$1B-$10B Specialty: Commercial NY FDIC cert 27267

Designations: ✓ Community bank ✓ Minority Depository Institution

Flushing, NY

8 branches across FL · 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 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
  • Deposits +11.9% year over year ($914.0M on the books).
  • Delinquency rate 1.60%.
  • Return on assets 1.79%.
  • Efficiency ratio 36.38% vs a 59.73% peer average.
  • Loan-to-deposit ratio 89.07% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 40 in NY
View $1B-$10B leaderboard (NY) →

Amerasia Bank has 3 strengths but faces 4 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

  • + Efficiency Ratio 23.35% below tier average
  • + ROA 0.40% above tier average
  • + Net Interest Margin 0.52% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 37.2% in tier
  • - Margin Compression: Bottom 58.8% in tier
  • - Non-Interest Income / Assets 0.48% below tier average
  • - Delinquency Rate 0.73% above tier average
Get updates when Amerasia Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $1.1B
+8.8% YoY +5.0% QoQ
-$1.7B $2.8B
-0.6% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
Bottom 8.8% in tier
Total Loans ? $814.1M
+8.6% YoY +3.8% QoQ
-$1.1B $2.0B
-0.3% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
16%
Total Deposits ? $914.0M
+11.9% YoY +5.4% QoQ
-$1.4B $2.3B
-0.5% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
Bottom 8.9% in tier
Return on Assets ? 1.79%
-14.8% YoY -4.9% QoQ
+0.40% 1.39%
+17.0% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
82%
Net Interest Margin ? 4.39%
-2.1% YoY -0.4% QoQ
+0.52% 3.87%
+6.2% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
84%
Efficiency Ratio ? 36.38%
+2.6% YoY +5.7% QoQ
-23.35% 59.73%
-12.6% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
Top 4.7% in tier
Delinquency Rate ? 1.60%
+85.1% YoY -2.7% QoQ
+0.73% 0.87%
+11.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
Bottom 13.8% in tier
Loan-to-Deposit Ratio ? 89.07%
-2.9% YoY -1.5% QoQ
+4.03% 85.04%
-0.1% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
45%
Non-Interest-Bearing Deposit Share ? 18.25%
-5.0% YoY +2.7% QoQ
-3.02% 21.27%
-1.5% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
42%
Nonperforming Asset Ratio ? 1.20%
+84.7% YoY -3.8% QoQ
+0.53% 0.67%
+11.7% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
16%
Tier 1 Capital Ratio ? 18.40%
-2.7% YoY -1.6% QoQ
+3.56% 14.84%
-0.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
Top 10.5% in tier
Non-Interest Income / Assets ? 0.05%
-9.9% YoY +100.2% QoQ
-0.48% 0.53%
+2.5% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
Bottom 3.3% 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 18.3%
-1.0pp YoY
+0.5pp QoQ
 -3.1pp 21.4% 22.1% 22.2% 41%
Brokered Deposits 2.8%
-0.6pp YoY
-0.2pp QoQ
 -6.6pp 9.5% 8.0% 8.5% 34%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 0.9%
-0.2pp YoY
-0.1pp QoQ
 -13.1pp 14.0% 11.0% 12.5% 2%
CRE 84.1%
+0.1pp YoY
+0.9pp QoQ
 +34.1pp 50.0% 46.2% 41.4% 97%
1-4 Family 13.5%
-2.3pp YoY
-0.9pp QoQ
 -13.0pp 26.4% 36.6% 31.3% 26%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.7pp 4.7% 5.1% 5.0% 3%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 18.4%
-0.5pp YoY
-0.3pp QoQ
 +2.8pp 15.6% 26.1% 19.7% 88%
Leverage Ratio 15.1%
+0.4pp YoY
-0.3pp QoQ
 +3.8pp 11.3% 13.9% 12.6% 93%
Total Capital Ratio 19.3%
-0.5pp YoY
-0.3pp QoQ
 +2.6pp 16.7% 27.2% 20.8% 88%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 93
+6 (+6.9%) YoY
+2 (+2.2%) QoQ
 -221 313 914 482 5%
Assets per Employee ($) $11.7M
+1.8% YoY
+2.7% QoQ
 +$1.2M $10.5M $14.8M $8.8M 76%
Branch Count 8
+1 (+14.3%) YoY
0 QoQ
 -12 20 27 18 20%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 1.6%
+0.7pp YoY
0.0pp QoQ
 +0.8pp 0.8% 1.3% 1.0% 88%
Allowance Coverage 0.58x
-45.4% YoY
+5.1% QoQ
 -18.13x 18.71x 1.92x 20.23x 9%
Net Charge-off Rate (YTD) 0.0%
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 40%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 11.9%
-2.7pp YoY
-0.5pp QoQ
 -0.7pp 12.6% 7.9% 11.6% 48%
Cost of Funds (YTD) 2.4%
-0.3pp YoY
0.0pp QoQ
 +0.5pp 1.9% 1.8% 1.7% 81%
Net Income ($, YTD) $9.3M
-10.1% YoY
— QoQ
 -$9.9M $19.2M $111.2M $40.4M 36%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk
#65 of 172 • Bottom 37.2% 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: 18.40%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 89.07%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Margin Compression

decline
#51 of 85 • Bottom 58.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.79%
(Tier: 1.39%, National: 1.30%)
better than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (4 metrics)

43
Efficiency Ratio
profitability
Value: 36.38%
Peer Median: 59.73%
#43 of 885 Top 4.7% in $1B-$10B
94
Tier 1 Capital Ratio
capital
Value: 18.40%
Peer Median: 14.84%
#94 of 885 Top 10.5% in $1B-$10B
146
Net Interest Margin
profitability
Value: 4.39%
Peer Median: 3.87%
#146 of 885 Top 16.4% in $1B-$10B
161
Return on Assets
profitability
Value: 1.79%
Peer Median: 1.39%
#161 of 885 Top 18.1% in $1B-$10B

Top Weaknesses (6 metrics)

857
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.53%
#857 of 885 Bottom 3.3% in $1B-$10B
808
Total Assets
size
Value: $1.08B
Peer Median: $2.79B
#808 of 885 Bottom 8.8% in $1B-$10B
807
Total Deposits
size
Value: $914.05M
Peer Median: $2.32B
#807 of 885 Bottom 8.9% in $1B-$10B
761
Delinquency Rate
credit_quality
Value: 1.60%
Peer Median: 0.87%
#761 of 882 Bottom 13.8% in $1B-$10B
748
Total Loans
size
Value: $814.10M
Peer Median: $1.96B
#748 of 885 Bottom 15.6% in $1B-$10B
743
Nonperforming Asset Ratio
credit_quality
Value: 1.20%
Peer Median: 0.67%
#743 of 885 Bottom 16.2% in $1B-$10B
Powered by BlastPoint © 2026