BlastPoint's Banking Scorecard

Asian Bank

$100M-$1B Specialty: Commercial PA FDIC cert 34759

Designations: ✓ CDFI-certified ✓ Minority Depository Institution

Philadelphia, PA

3 branches across PA

2664 banks in the $100M-$1B peer group nationally 55 in PA

Asian Bank has 1 strength 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 17.37% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 4.9% in tier
- Non-Interest Income / Assets 0.26% below tier average
- Net Interest Margin 0.47% below tier average
- Delinquency Rate 0.18% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$684.8M +12.9% YoY +3.7% QoQ	+$298.7M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	Top 13.3% in tier
Total Loans ?	$505.3M +20.6% YoY +2.4% QoQ	+$249.6M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	Top 10.6% in tier
Total Deposits ?	$459.2M +5.9% YoY -4.3% QoQ	+$131.2M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	1.27% +7.4% YoY +2.7% QoQ	+0.00%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	54%
Net Interest Margin ?	3.46% +11.2% YoY +2.4% QoQ	-0.47%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	29%
Efficiency Ratio ?	47.92% -5.9% YoY -2.8% QoQ	-17.37%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	Top 12.3% in tier
Delinquency Rate ?	1.06% +280.5% YoY +12.6% QoQ	+0.18%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	27%
Loan-to-Deposit Ratio ?	110.04% +13.9% YoY +7.0% QoQ	+33.40%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	Bottom 2.8% in tier
Non-Interest-Bearing Deposit Share ?	21.08% +14.1% YoY +29.4% QoQ	-0.94%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	50%
Nonperforming Asset Ratio ?	0.78% +306.5% YoY +11.2% QoQ	+0.15%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	26%
Tier 1 Capital Ratio ?	25.11% -12.2% YoY -1.1% QoQ	+9.28%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	Top 6.4% in tier
Non-Interest Income / Assets ?	0.02% -10.8% YoY -78.5% QoQ	-0.26%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	Bottom 4.9% 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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#37 of 739 • Bottom 4.9% 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: 25.11%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 110.04%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

171

Tier 1 Capital Ratio

capital

Value: 25.11%

Peer Median: 15.83%

#171 of 2664 Top 6.4% in $100M-$1B

283

Total Loans

size

Value: $505.30M

Peer Median: $255.72M

#283 of 2664 Top 10.6% in $100M-$1B

330

Efficiency Ratio

profitability

Value: 47.92%

Peer Median: 65.29%

#330 of 2664 Top 12.3% in $100M-$1B

355

Total Assets

size

Value: $684.82M

Peer Median: $386.08M

#355 of 2664 Top 13.3% in $100M-$1B

639

Total Deposits

size

Value: $459.19M

Peer Median: $327.97M

#639 of 2664 Top 23.9% in $100M-$1B

Top Weaknesses (2 metrics)

2590

Loan-to-Deposit Ratio

liquidity

Value: 110.04%

Peer Median: 76.64%

#2590 of 2664 Bottom 2.8% in $100M-$1B

2535

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2535 of 2664 Bottom 4.9% in $100M-$1B