BlastPoint's Banking Scorecard

Amerasia Bank

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

Designations: ✓ Community bank ✓ Minority Depository Institution

Flushing, NY

7 branches across FL · NY

884 banks in the $1B-$10B peer group nationally 38 in 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 26.64% below tier average
+ ROA 0.52% above tier average
+ Net Interest Margin 0.59% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 9.0% in tier
- Liquidity Overhang: Bottom 31.6% in tier
- Non-Interest Income / Assets 0.23% below tier average
- Delinquency Rate 0.76% above tier average

Get updates when Amerasia Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$1.0B +3.8% YoY +3.4% QoQ	-$1.8B	$2.8B -0.1% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	Bottom 3.3% in tier
Total Loans ?	$784.5M +2.7% YoY +6.5% QoQ	-$1.2B	$2.0B +0.6% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	Bottom 13.7% in tier
Total Deposits ?	$867.6M +6.1% YoY +4.3% QoQ	-$1.5B	$2.3B -0.3% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	Bottom 4.5% in tier
Return on Assets ?	1.88% -5.5% YoY -10.5% QoQ	+0.52%	1.37% +19.6% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	Top 14.1% in tier
Net Interest Margin ?	4.41% +4.0% YoY -5.2% QoQ	+0.59%	3.82% +6.9% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	Top 14.5% in tier
Efficiency Ratio ?	34.42% -5.0% YoY -4.8% QoQ	-26.64%	61.06% -4.6% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Top 4.0% in tier
Delinquency Rate ?	1.65% +93.9% YoY +97.6% QoQ	+0.76%	0.89% +14.1% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	Bottom 13.0% in tier
Loan-to-Deposit Ratio ?	90.42% -3.2% YoY +2.1% QoQ	+6.21%	84.20% +0.3% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	36%
Non-Interest-Bearing Deposit Share ?	17.77% -6.5% YoY -8.1% QoQ	-3.52%	21.29% -2.5% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	39%
Nonperforming Asset Ratio ?	1.25% +91.9% YoY +103.6% QoQ	+0.57%	0.67% +15.6% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	Bottom 14.7% in tier
Tier 1 Capital Ratio ?	18.71% +0.2% YoY -3.3% QoQ	+3.55%	15.16% +2.0% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	Top 10.0% in tier
Non-Interest Income / Assets ?	0.02% -8.5% YoY -85.7% QoQ	-0.23%	0.26% +1.6% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	Bottom 3.6% in tier

Get Full Access to Amerasia Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 Strain

risk

#31 of 334 • Bottom 9.0% 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: 90.42%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ

Liquidity Overhang

risk

#56 of 174 • Bottom 31.6% 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: 18.71%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 90.42%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 34.42%

Peer Median: 61.06%

#36 of 884 Top 4.0% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 18.71%

Peer Median: 15.16%

#89 of 884 Top 10.0% in $1B-$10B

126

Return on Assets

profitability

Value: 1.88%

Peer Median: 1.37%

#126 of 884 Top 14.1% in $1B-$10B

129

Net Interest Margin

profitability

Value: 4.41%

Peer Median: 3.82%

#129 of 884 Top 14.5% in $1B-$10B

Top Weaknesses (6 metrics)

856

Total Assets

size

Value: $1.03B

Peer Median: $2.82B

#856 of 884 Bottom 3.3% in $1B-$10B

853

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.26%

#853 of 884 Bottom 3.6% in $1B-$10B

845

Total Deposits

size

Value: $867.59M

Peer Median: $2.34B

#845 of 884 Bottom 4.5% in $1B-$10B

767

Delinquency Rate

credit_quality

Value: 1.65%

Peer Median: 0.89%

#767 of 880 Bottom 13.0% in $1B-$10B

764

Total Loans

size

Value: $784.46M

Peer Median: $1.96B

#764 of 884 Bottom 13.7% in $1B-$10B

755

Nonperforming Asset Ratio

credit_quality

Value: 1.25%

Peer Median: 0.67%

#755 of 884 Bottom 14.7% in $1B-$10B