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

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 139 banks in the $10B-$250B peer group nationwide — 1 of 10 in CA.
Deposits +7.9% year over year ($70.3B on the books).
Delinquency rate 0.38%.
Return on assets 1.77%.
Efficiency ratio 35.98% vs a 53.67% peer average.
Loan-to-deposit ratio 82.66% vs a 82.61% peer average.

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

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

View $10B-$250B leaderboard (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 14.3% in tier
+ Efficiency Ratio 17.69% below tier average
+ ROA 0.38% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 32.8% in tier
- Credit Risk Growth: Bottom 33.9% in tier
- Net Interest Margin 0.45% below tier average

Get updates when East West Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$84.3B +8.6% YoY +2.2% QoQ	+$40.7B	$43.6B -13.8% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	Top 13.7% in tier
Total Loans ?	$58.1B +7.2% YoY +1.4% QoQ	+$30.2B	$28.0B -8.6% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	Top 10.8% in tier
Total Deposits ?	$70.3B +7.9% YoY +1.8% QoQ	+$34.9B	$35.4B -14.0% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	Top 12.9% in tier
Return on Assets ?	1.77% +11.9% YoY -0.3% QoQ	+0.38%	1.39% +25.9% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	83%
Net Interest Margin ?	3.47% +3.3% YoY -0.5% QoQ	-0.45%	3.92% +8.9% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	40%
Efficiency Ratio ?	35.98% +0.3% YoY +0.2% QoQ	-17.69%	53.67% -1.9% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	Top 8.6% in tier
Delinquency Rate ?	0.38% +48.7% YoY +8.8% QoQ	-0.63%	1.01% -2.8% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	83%
Loan-to-Deposit Ratio ?	82.66% -0.7% YoY -0.3% QoQ	+0.05%	82.61% +3.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	59%
Non-Interest-Bearing Deposit Share ?	26.42% +10.4% YoY +3.4% QoQ	+5.84%	20.58% +4.9% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	69%
Nonperforming Asset Ratio ?	0.29% +32.4% YoY +11.7% QoQ	-0.44%	0.73% +5.8% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	78%
Tier 1 Capital Ratio ?	13.90% +2.0% YoY +0.5% QoQ	-1.45%	15.35% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.24% +9.0% YoY +94.9% QoQ	-0.25%	0.50% +10.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	32%

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 (CA)	National Avg	Tier Percentile
Noninterest-Bearing	26.4% +2.5pp YoY +0.9pp QoQ	+5.4pp	21.0%	25.5%	22.2%	68%
Brokered Deposits	3.8% -1.2pp YoY -0.6pp QoQ	-5.5pp	9.2%	11.0%	8.5%	39%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	17.6% 0.0pp YoY 0.0pp QoQ	+0.5pp	17.2%	11.8%	12.5%	57%
CRE	37.5% -0.6pp YoY 0.0pp QoQ	-4.5pp	42.0%	67.5%	41.4%	35%
1-4 Family	31.1% -0.4pp YoY +0.1pp QoQ	+8.0pp	23.1%	16.5%	31.3%	78%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-12.9pp	12.9%	5.3%	5.0%	4%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	13.9% +0.3pp YoY +0.1pp QoQ	-1.4pp	15.3%	23.7%	19.7%	65%
Leverage Ratio	9.9% -0.1pp YoY -0.1pp QoQ	-0.5pp	10.4%	14.5%	12.6%	43%
Total Capital Ratio	15.2% +0.3pp YoY +0.1pp QoQ	-1.4pp	16.5%	25.1%	20.8%	65%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	3,473 +299 (+9.4%) YoY +43 (+1.3%) QoQ	+215	3,258	337	482	75%
Assets per Employee ($)	$24.3M -0.7% YoY +1.0% QoQ	-$2.8M	$27.0M	$11.3M	$8.8M	80%
Branch Count	97 -1 (-1.0%) YoY 0 QoQ	-41	137	15	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.4%	0.3%	0.4%	n/a
Nonaccrual	0.4% +0.1pp YoY 0.0pp QoQ	-0.3pp	0.7%	1.4%	1.0%	23%
Allowance Coverage	3.79x -30.6% YoY -8.8% QoQ	+0.98x	2.81x	17.11x	20.23x	86%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY +0.1pp QoQ	-0.3pp	0.4%	0.3%	0.2%	44%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	17.7% +1.5pp YoY +0.1pp QoQ	+5.1pp	12.6%	8.2%	11.6%	87%
Cost of Funds (YTD)	2.0% -0.4pp YoY 0.0pp QoQ	0.0pp	2.0%	1.9%	1.7%	58%
Net Income ($, YTD)	$728.3M +20.3% YoY — QoQ	+$431.5M	$296.8M	$28.5M	$40.4M	92%

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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 (1)

Credit Quality Leader

growth

#6 of 35 • Top 14.3% in tier

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

Why this signature

Delinquency Rate: 0.38%

(Tier: 1.01%, National: 0.98%)

better than tier avg

35 of 35 Large banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#23 of 67 • Bottom 32.8% in tier

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

Why this signature

Delinquency Rate: 0.38%

(Tier: 1.01%, National: 0.98%)

better than tier avg

67 of 67 Large banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#21 of 59 • Bottom 33.9% in tier

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

59 of 59 Large banks match · 1401 nationally

→ Stable -58 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).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (7 metrics)

Efficiency Ratio

profitability

Value: 35.98%

Peer Median: 53.67%

#13 of 139 Top 8.6% in $10B-$250B

Total Loans

size

Value: $58.12B

Peer Median: $27.97B

#16 of 139 Top 10.8% in $10B-$250B

Total Deposits

size

Value: $70.31B

Peer Median: $35.42B

#19 of 139 Top 12.9% in $10B-$250B

Total Assets

size

Value: $84.32B

Peer Median: $43.60B

#20 of 139 Top 13.7% in $10B-$250B

Return on Assets

profitability

Value: 1.77%

Peer Median: 1.39%

#24 of 139 Top 16.5% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.38%

Peer Median: 1.01%

#24 of 138 Top 16.7% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.29%

Peer Median: 0.73%

#31 of 139 Top 21.6% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available