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

2664 banks in the $100M-$1B peer group nationally 53 in CA

Eastern International Bank has 2 strengths but faces 5 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 44.7% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 13.8% in tier
- Return on Assets 0.92% below tier average
- Efficiency Ratio 21.88% above tier average
- Non-Interest-Bearing Deposit Share 16.92% below tier average
- Non-Interest Income / Assets 0.26% below tier average

Get updates when Eastern International Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$124.2M +6.6% YoY -1.1% QoQ	-$261.9M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	Bottom 7.2% in tier
Total Loans ?	$97.7M +17.4% YoY +3.7% QoQ	-$158.0M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	19%
Total Deposits ?	$86.6M -2.9% YoY -6.9% QoQ	-$241.4M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Bottom 1.7% in tier
Return on Assets ?	0.35% +208.3% YoY +135.1% QoQ	-0.92%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	Bottom 9.4% in tier
Net Interest Margin ?	3.88% +9.3% YoY +4.0% QoQ	-0.05%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	51%
Efficiency Ratio ?	87.17% -7.7% YoY -5.7% QoQ	+21.88%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	Bottom 8.4% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	112.75% +20.9% YoY +11.3% QoQ	+36.11%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	Bottom 2.1% in tier
Non-Interest-Bearing Deposit Share ?	5.10% +11.4% YoY +23.2% QoQ	-16.92%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Bottom 3.6% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	18.48% -4.3% YoY -0.2% QoQ	+2.65%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	82%
Non-Interest Income / Assets ?	0.02% -26.3% YoY -75.6% QoQ	-0.26%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Bottom 3.6% in tier

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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

#298 of 664 • Top 44.7% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#103 of 739 • Bottom 13.8% 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: 18.48%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 112.75%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community 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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

471

Tier 1 Capital Ratio

capital

Value: 18.48%

Peer Median: 15.83%

#471 of 2664 Top 17.6% in $100M-$1B

Top Weaknesses (8 metrics)

2621

Total Deposits

size

Value: $86.62M

Peer Median: $327.97M

#2621 of 2664 Bottom 1.7% in $100M-$1B

2608

Loan-to-Deposit Ratio

liquidity

Value: 112.75%

Peer Median: 76.64%

#2608 of 2664 Bottom 2.1% in $100M-$1B

2570

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2570 of 2664 Bottom 3.6% in $100M-$1B

2568

Non-Interest-Bearing Deposit Share

funding

Value: 5.10%

Peer Median: 22.02%

#2568 of 2664 Bottom 3.6% in $100M-$1B

2472

Total Assets

size

Value: $124.21M

Peer Median: $386.08M

#2472 of 2664 Bottom 7.2% in $100M-$1B

2440

Efficiency Ratio

profitability

Value: 87.17%

Peer Median: 65.29%

#2440 of 2664 Bottom 8.4% in $100M-$1B

2415

Return on Assets

profitability

Value: 0.35%

Peer Median: 1.27%

#2415 of 2664 Bottom 9.4% in $100M-$1B

2161

Total Loans

size

Value: $97.67M

Peer Median: $255.72M

#2161 of 2664 Bottom 18.9% in $100M-$1B