BlastPoint's Banking Scorecard
Eastbank, National Association
Micro
Specialty: Commercial
NY
FDIC cert 25749
Designations: ✓ Community bank
New York, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
Eastbank, National Association demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 33.10% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 22.19% above tier
- + Non-Interest Income / Assets 5.74% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$147.4M
-8.4% YoY
-2.6% QoQ
|
-$70.1M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$91.6M
-2.9% YoY
+1.5% QoQ
|
-$47.5M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$105.7M
-14.1% YoY
-2.5% QoQ
|
-$77.9M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
0.83%
+298.0% YoY
-56.8% QoQ
|
-0.25% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
3.26%
+19.7% YoY
+5.6% QoQ
|
-0.59% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
34.62%
-70.6% YoY
+19.9% QoQ
|
-33.10% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
86.67%
+13.0% YoY
+4.1% QoQ
|
+12.15% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
18.84%
+26.5% YoY
+8.5% QoQ
|
-3.56% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
31.04%
+6.5% YoY
-12.4% QoQ
|
+22.19% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
6.30%
+3.2% QoQ
|
+5.74% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (5)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
34.62%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
31.04%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
6.30%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Non-Interest Income / Assets
Current: 6.30% · Tier avg: 0.56%
99
99th pctile
Efficiency Ratio
Current: 34.62% · Tier avg: 67.73%
96
96th pctile
Tier 1 Capital Ratio
Current: 31.04% · Tier avg: 8.85%
39
39th pctile
Total Loans
Current: $91.6M · Tier avg: $139.2M
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.84% · Tier avg: 22.39%
37
37th pctile
Total Assets
Current: $147.4M · Tier avg: $217.5M
35
35th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.08%
30
30th pctile
Total Deposits
Current: $105.7M · Tier avg: $183.7M
30
30th pctile
Loan-to-Deposit Ratio
Current: 86.67% · Tier avg: 74.53%
24
24th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.85%
Top Weaknesses
24
24th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.85%
30
30th pctile
Loan-to-Deposit Ratio
Current: 86.67% · Tier avg: 74.53%
30
30th pctile
Total Deposits
Current: $105.7M · Tier avg: $183.7M
35
35th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.08%
37
37th pctile
Total Assets
Current: $147.4M · Tier avg: $217.5M
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.84% · Tier avg: 22.39%
39
39th pctile
Total Loans
Current: $91.6M · Tier avg: $139.2M
96
96th pctile
Tier 1 Capital Ratio
Current: 31.04% · Tier avg: 8.85%
99
99th pctile
Efficiency Ratio
Current: 34.62% · Tier avg: 67.73%
99
99th pctile
Non-Interest Income / Assets
Current: 6.30% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%