BlastPoint's Banking Scorecard
Amerasia Bank
Community
Specialty: Commercial
NY
FDIC cert 27267
Flushing, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Amerasia Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 35% in Community
- + Net Interest Margin 0.99% above tier
- + Efficiency Ratio 26.48% below tier
- + Tier 1 Capital Ratio 9.17% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 29% in Community
- - Non-Interest Income / Assets 0.57% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1,000.0M
+3.9% YoY
+0.6% QoQ
|
-$391.5M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$736.7M
-1.8% YoY
-0.2% QoQ
|
-$238.7M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$831.8M
+6.5% YoY
+2.9% QoQ
|
-$332.8M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
2.10%
+10.3% YoY
-10.8% QoQ
|
+0.94% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.65%
+1.9% YoY
-0.6% QoQ
|
+0.99% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
36.15%
-9.6% YoY
+8.2% QoQ
|
-26.48% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.83%
-3.7% YoY
+6.1% QoQ
|
+0.20% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
88.57%
-7.8% YoY
-3.0% QoQ
|
+5.51% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
19.35%
-2.7% YoY
-0.2% QoQ
|
-1.70% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.61%
-9.0% YoY
+5.3% QoQ
|
+0.11% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
19.41%
+4.7% YoY
-2.3% QoQ
|
+9.17% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.17%
+62.4% YoY
+27.6% QoQ
|
-0.57% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#131 of 371 · Top 35% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.10%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 10%
in Community
Why this stands out
Current:
4.65%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 3%
in Community
Why this stands out
Current:
36.15%
(Tier avg: 62.63%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 8%
in Community
Why this stands out
Current:
19.41%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Liquidity Overhang
risk
#78 of 268 · Bottom 29% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
19.41%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
88.57%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Non-Interest Income / Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.17%
(Tier avg: 0.74%, National avg: 0.65%)
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
97
97th pctile
Efficiency Ratio
Current: 36.15% · Tier avg: 62.63%
93
93th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.16%
92
92th pctile
Tier 1 Capital Ratio
Current: 19.41% · Tier avg: 10.24%
90
90th pctile
Net Interest Margin
Current: 4.65% · Tier avg: 3.66%
53
53th pctile
Total Loans
Current: $736.7M · Tier avg: $975.5M
50
50th pctile
Total Assets
Current: $1,000.0M · Tier avg: $1.4B
49
49th pctile
Total Deposits
Current: $831.8M · Tier avg: $1.2B
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.35% · Tier avg: 21.05%
39
39th pctile
Loan-to-Deposit Ratio
Current: 88.57% · Tier avg: 83.06%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.50%
31
31th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.63%
8
8th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
Top Weaknesses
8
8th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
31
31th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.63%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.50%
39
39th pctile
Loan-to-Deposit Ratio
Current: 88.57% · Tier avg: 83.06%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.35% · Tier avg: 21.05%
49
49th pctile
Total Deposits
Current: $831.8M · Tier avg: $1.2B
50
50th pctile
Total Assets
Current: $1,000.0M · Tier avg: $1.4B
53
53th pctile
Total Loans
Current: $736.7M · Tier avg: $975.5M
90
90th pctile
Net Interest Margin
Current: 4.65% · Tier avg: 3.66%
92
92th pctile
Tier 1 Capital Ratio
Current: 19.41% · Tier avg: 10.24%
93
93th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.16%
97
97th pctile
Efficiency Ratio
Current: 36.15% · Tier avg: 62.63%