BlastPoint's Banking Scorecard

Eastern International Bank

$100M-$1B Specialty: Commercial CA FDIC cert 32277

Designations: ✓ Minority Depository Institution

Los Angeles, CA

2 branches across CA

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 53 in CA.
Deposits -3.9% year over year ($88.1M on the books).
Delinquency rate 0.00%.
Return on assets 0.58%.
Efficiency ratio 80.58% vs a 64.48% peer average.
Loan-to-deposit ratio 109.66% 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 53 in CA

View $100M-$1B leaderboard (CA) →

Eastern International Bank 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 41.9% in tier
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 15.6% in tier
- Deposit Outflow: Bottom 29.7% in tier
- Capital Constraint: Bottom 85.0% in tier
- Non-Interest-Bearing Deposit Share 17.66% below tier average
- ROA 0.74% below tier average
- Efficiency Ratio 16.10% above tier average

Get updates when Eastern International 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 ?	$125.8M +5.6% YoY +1.3% QoQ	-$260.7M	$386.6M +1.2% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	Bottom 7.3% in tier
Total Loans ?	$96.6M +18.1% YoY -1.1% QoQ	-$161.7M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	18%
Total Deposits ?	$88.1M -3.9% YoY +1.7% QoQ	-$238.6M	$326.7M +0.7% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	Bottom 2.0% in tier
Return on Assets ?	0.58% +271.4% YoY +65.0% QoQ	-0.74%	1.32% +10.8% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	Bottom 14.5% in tier
Net Interest Margin ?	3.95% +9.7% YoY +1.7% QoQ	-0.04%	3.99% +5.0% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	51%
Efficiency Ratio ?	80.58% -13.5% YoY -7.6% QoQ	+16.10%	64.48% -3.2% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	Bottom 13.1% in tier
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	109.66% +22.9% YoY -2.7% QoQ	+31.71%	77.95% +1.0% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	Bottom 3.1% in tier
Non-Interest-Bearing Deposit Share ?	4.37% -5.0% YoY -14.2% QoQ	-17.66%	22.03% -0.6% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Bottom 3.1% in tier
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	18.27% -4.5% YoY -1.1% QoQ	+2.36%	15.91% +1.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	82%
Non-Interest Income / Assets ?	0.16% +260.5% YoY +788.5% QoQ	-0.41%	0.57% +7.6% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	37%

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	4.4% -0.2pp YoY -0.7pp QoQ	-17.8pp	22.1%	25.5%	22.2%	3%
Brokered Deposits	n/a	n/a	7.9%	11.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	n/a	n/a	11.6%	11.8%	12.5%	n/a
CRE	n/a	n/a	39.5%	67.5%	41.4%	n/a
1-4 Family	n/a	n/a	32.6%	16.5%	31.3%	n/a
Consumer	n/a	n/a	4.1%	5.3%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	23.7%	19.7%	n/a
Leverage Ratio	18.3% -0.9pp YoY -0.2pp QoQ	+6.1pp	12.2%	14.5%	12.6%	95%
Total Capital Ratio	n/a	n/a	19.9%	25.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	25 +1 (+4.2%) YoY 0 QoQ	-34	58	337	482	19%
Assets per Employee ($)	$5.0M +1.4% YoY +1.3% QoQ	-$2.5M	$7.5M	$11.3M	$8.8M	15%
Branch Count	2 0 YoY 0 QoQ	-3	4	15	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.4%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	17.11x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.3%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	3.4% +2.5pp YoY +1.3pp QoQ	-8.8pp	12.2%	8.2%	11.6%	9%
Cost of Funds (YTD)	2.0% 0.0pp YoY +0.1pp QoQ	+0.3pp	1.7%	1.9%	1.7%	69%
Net Income ($, YTD)	$364,000 +283.2% YoY — QoQ	-$2.2M	$2.6M	$28.5M	$40.4M	8%

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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

#277 of 659 • Top 41.9% 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 (3)

Liquidity Overhang

risk

#117 of 742 • Bottom 15.6% 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: 18.27%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 109.66%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#160 of 535 • Bottom 29.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

Capital Constraint

risk

#92 of 107 • Bottom 85.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 109.66%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 18.27%

(Tier: 15.91%, National: 17.09%)

better than tier avg

107 of 107 Community banks match · 143 nationally

→ Stable -5 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

481

Tier 1 Capital Ratio

capital

Value: 18.27%

Peer Median: 15.91%

#481 of 2643 Top 18.2% in $100M-$1B

Top Weaknesses (7 metrics)

2590

Total Deposits

size

Value: $88.12M

Peer Median: $326.73M

#2590 of 2643 Bottom 2.0% in $100M-$1B

2562

Loan-to-Deposit Ratio

liquidity

Value: 109.66%

Peer Median: 77.95%

#2562 of 2643 Bottom 3.1% in $100M-$1B

2561

Non-Interest-Bearing Deposit Share

funding

Value: 4.37%

Peer Median: 22.03%

#2561 of 2643 Bottom 3.1% in $100M-$1B

2452

Total Assets

size

Value: $125.82M

Peer Median: $386.57M

#2452 of 2643 Bottom 7.3% in $100M-$1B

2298

Efficiency Ratio

profitability

Value: 80.58%

Peer Median: 64.48%

#2298 of 2643 Bottom 13.1% in $100M-$1B

2262

Return on Assets

profitability

Value: 0.58%

Peer Median: 1.32%

#2262 of 2643 Bottom 14.5% in $100M-$1B

2179

Total Loans

size

Value: $96.63M

Peer Median: $258.35M

#2179 of 2643 Bottom 17.6% in $100M-$1B