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

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 55 in PA.
Deposits +3.7% year over year ($456.8M on the books).
Delinquency rate 1.23%.
Return on assets 1.34%.
Efficiency ratio 47.43% vs a 64.48% peer average.
Loan-to-deposit ratio 115.97% 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 55 in PA

View $100M-$1B leaderboard (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 17.05% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 5.5% in tier
- Non-Interest Income / Assets 0.52% below tier average
- Net Interest Margin 0.44% below tier average
- Delinquency Rate 0.31% above tier average

Get updates when Asian Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$685.9M +11.4% YoY +0.2% QoQ	+$299.3M	$386.6M +1.2% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	Top 13.2% in tier
Total Loans ?	$529.8M +16.9% YoY +4.8% QoQ	+$271.4M	$258.3M +1.7% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	Top 9.2% in tier
Total Deposits ?	$456.8M +3.7% YoY -0.5% QoQ	+$130.1M	$326.7M +0.7% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	76%
Return on Assets ?	1.34% +10.3% YoY +5.5% QoQ	+0.02%	1.32% +10.8% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	55%
Net Interest Margin ?	3.54% +10.2% YoY +2.3% QoQ	-0.44%	3.99% +5.0% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	29%
Efficiency Ratio ?	47.43% -4.0% YoY -1.0% QoQ	-17.05%	64.48% -3.2% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	Top 12.2% in tier
Delinquency Rate ?	1.23% +49.1% YoY +15.8% QoQ	+0.31%	0.92% +15.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	24%
Loan-to-Deposit Ratio ?	115.97% +12.7% YoY +5.4% QoQ	+38.02%	77.95% +1.0% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	Bottom 1.8% in tier
Non-Interest-Bearing Deposit Share ?	18.92% +10.6% YoY -10.3% QoQ	-3.11%	22.03% -0.6% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	40%
Nonperforming Asset Ratio ?	0.95% +56.4% YoY +21.2% QoQ	+0.28%	0.67% +16.4% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	21%
Tier 1 Capital Ratio ?	24.19% -8.0% YoY -3.7% QoQ	+8.28%	15.91% +1.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	Top 7.6% in tier
Non-Interest Income / Assets ?	0.05% -10.2% YoY +111.9% QoQ	-0.52%	0.57% +7.6% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	Bottom 5.0% in tier

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 (PA)	National Avg	Tier Percentile
Noninterest-Bearing	18.9% +1.8pp YoY -2.2pp QoQ	-3.2pp	22.1%	18.7%	22.2%	40%
Brokered Deposits	7.4% +1.6pp YoY -0.6pp QoQ	-0.4pp	7.9%	6.8%	8.5%	66%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
C&I	2.0% -0.3pp YoY -0.2pp QoQ	-9.6pp	11.6%	8.6%	12.5%	6%
CRE	85.8% +3.1pp YoY +0.7pp QoQ	+46.2pp	39.5%	37.9%	41.4%	99%
1-4 Family	13.3% -2.7pp YoY -0.5pp QoQ	-19.4pp	32.6%	47.8%	31.3%	16%
Consumer	n/a	n/a	4.1%	3.8%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	24.2% -2.1pp YoY -0.9pp QoQ	+5.4pp	18.8%	22.3%	19.7%	88%
Leverage Ratio	19.1% -1.2pp YoY -0.2pp QoQ	+7.0pp	12.2%	13.2%	12.6%	96%
Total Capital Ratio	25.3% -2.1pp YoY -1.0pp QoQ	+5.3pp	19.9%	23.3%	20.8%	88%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	48 +1 (+2.1%) YoY +2 (+4.3%) QoQ	-11	58	299	482	50%
Assets per Employee ($)	$14.3M +9.0% YoY -4.0% QoQ	+$6.8M	$7.5M	$9.2M	$8.8M	96%
Branch Count	3 0 YoY 0 QoQ	-2	4	20	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	1.2% +0.4pp YoY +0.2pp QoQ	+0.3pp	0.9%	0.9%	1.0%	76%
Allowance Coverage	0.89x -32.3% YoY -14.9% QoQ	-23.26x	24.15x	3.63x	20.23x	23%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	67%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	7.2% +1.2pp YoY +0.4pp QoQ	-4.9pp	12.2%	10.2%	11.6%	22%
Cost of Funds (YTD)	2.4% -0.3pp YoY 0.0pp QoQ	+0.7pp	1.7%	1.8%	1.7%	88%
Net Income ($, YTD)	$4.5M +25.2% YoY — QoQ	+$2.0M	$2.6M	$18.2M	$40.4M	84%

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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

#42 of 742 • Bottom 5.5% 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: 24.19%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 115.97%

(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

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 (5 metrics)

202

Tier 1 Capital Ratio

capital

Value: 24.19%

Peer Median: 15.91%

#202 of 2643 Top 7.6% in $100M-$1B

244

Total Loans

size

Value: $529.75M

Peer Median: $258.35M

#244 of 2643 Top 9.2% in $100M-$1B

323

Efficiency Ratio

profitability

Value: 47.43%

Peer Median: 64.48%

#323 of 2643 Top 12.2% in $100M-$1B

351

Total Assets

size

Value: $685.89M

Peer Median: $386.57M

#351 of 2643 Top 13.2% in $100M-$1B

645

Total Deposits

size

Value: $456.79M

Peer Median: $326.73M

#645 of 2643 Top 24.4% in $100M-$1B

Top Weaknesses (4 metrics)

2597

Loan-to-Deposit Ratio

liquidity

Value: 115.97%

Peer Median: 77.95%

#2597 of 2643 Bottom 1.8% in $100M-$1B

2513

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.57%

#2513 of 2643 Bottom 5.0% in $100M-$1B

2078

Nonperforming Asset Ratio

credit_quality

Value: 0.95%

Peer Median: 0.67%

#2078 of 2643 Bottom 21.4% in $100M-$1B

2013

Delinquency Rate

credit_quality

Value: 1.23%

Peer Median: 0.92%

#2013 of 2633 Bottom 23.6% in $100M-$1B