BlastPoint's Banking Scorecard

East West Bank

$10B-$250B Specialty: Commercial CA FDIC cert 31628

Designations: ✓ Minority Depository Institution

Pasadena, CA

97 branches across CA · TX · NY · WA · GA · MA · NV

137 banks in the $10B-$250B peer group nationally 10 in CA

East West Bank has 3 strengths but faces 3 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 23.5% in tier
+ Profitability Leader: Top 40.0% in tier
+ Efficiency Ratio 18.11% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 11.1% in tier
- Credit Risk Growth: Bottom 31.8% in tier
- Net Interest Margin 0.29% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$82.5B +8.9% YoY +3.5% QoQ	+$35.5B	$47.0B -1.9% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$57.3B +7.1% YoY +2.1% QoQ	+$27.9B	$29.4B -0.4% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	Top 12.4% in tier
Total Deposits ?	$69.1B +9.4% YoY +2.8% QoQ	+$30.7B	$38.4B -1.6% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Top 14.6% in tier
Return on Assets ?	1.78% +15.1% YoY +3.4% QoQ	+0.50%	1.28% +18.7% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	Top 10.9% in tier
Net Interest Margin ?	3.48% +4.4% YoY +0.5% QoQ	-0.29%	3.77% +5.8% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	45%
Efficiency Ratio ?	35.90% +0.8% YoY +2.4% QoQ	-18.11%	54.01% -3.7% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	Top 10.2% in tier
Delinquency Rate ?	0.35% +22.8% YoY +5.5% QoQ	-0.67%	1.02% -3.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	82%
Loan-to-Deposit Ratio ?	82.93% -2.1% YoY -0.6% QoQ	+2.14%	80.79% +1.9% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	55%
Non-Interest-Bearing Deposit Share ?	25.54% +5.6% YoY +2.1% QoQ	+5.50%	20.04% +0.2% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	64%
Nonperforming Asset Ratio ?	0.26% +9.0% YoY -3.2% QoQ	-0.46%	0.72% +4.2% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	79%
Tier 1 Capital Ratio ?	13.83% +2.0% YoY -0.2% QoQ	-1.68%	15.51% -0.4% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.12% +9.0% YoY -72.7% QoQ	-0.10%	0.22% +0.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	36%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 (2)

Credit Quality Leader

growth

#9 of 34 • Top 23.5% in tier

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

Why this signature

Delinquency Rate: 0.35%

(Tier: 1.02%, National: 0.95%)

better than tier avg

34 of 34 Large banks match · 922 nationally

→ Stable +2 banks QoQ

Profitability Leader

growth

#15 of 35 • Top 40.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.78%

(Tier: 1.28%, National: 1.23%)

better than tier avg

35 of 35 Large banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (2)

Credit Quality Pressure

risk

#9 of 72 • Bottom 11.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.35%

(Tier: 1.02%, National: 0.95%)

better than tier avg

72 of 72 Large banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#22 of 66 • Bottom 31.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

66 of 66 Large banks match · 1464 nationally

→ Stable -10 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).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (7 metrics)

Efficiency Ratio

profitability

Value: 35.90%

Peer Median: 54.01%

#15 of 137 Top 10.2% in $10B-$250B

Return on Assets

profitability

Value: 1.78%

Peer Median: 1.28%

#16 of 137 Top 10.9% in $10B-$250B

Total Loans

size

Value: $57.29B

Peer Median: $29.36B

#18 of 137 Top 12.4% in $10B-$250B

Total Deposits

size

Value: $69.09B

Peer Median: $38.42B

#21 of 137 Top 14.6% in $10B-$250B

Total Assets

size

Value: $82.47B

Peer Median: $46.96B

#23 of 137 Top 16.1% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.35%

Peer Median: 1.02%

#26 of 136 Top 18.4% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.26%

Peer Median: 0.72%

#30 of 137 Top 21.2% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available