BlastPoint's Banking Scorecard
East West Bank
Large
Specialty: Commercial
CA
FDIC cert 31628
Pasadena, CA
69
banks in Large tier nationally
4 in CA
View Large leaderboard (CA) →
East West Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 29% in Large
- + Profitability Leader: Top 47% in Large
- + Efficiency Ratio 19.98% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6% in Large
- - Credit Risk Growth: Bottom 20% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$79.7B
+5.0% YoY
+0.7% QoQ
|
+$4.8B |
$74.9B
-4.4% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$56.1B
+5.8% YoY
+2.0% QoQ
|
+$9.7B |
$46.4B
-2.1% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$67.2B
+5.6% YoY
+0.7% QoQ
|
+$6.7B |
$60.5B
-4.5% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
1.72%
+6.1% YoY
+1.8% QoQ
|
+0.52% |
1.19%
+17.8% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
3.47%
+4.3% YoY
+0.3% QoQ
|
+0.01% |
3.46%
+13.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
35.05%
-2.9% YoY
-1.5% QoQ
|
-19.98% |
55.03%
-2.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.33%
+11.1% YoY
+3.8% QoQ
|
-0.54% |
0.88%
-0.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 13% in tier |
| Loan-to-Deposit Ratio ? |
83.46%
+0.1% YoY
+1.3% QoQ
|
+1.74% |
81.72%
+3.9% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
25.03%
+0.2% YoY
+2.6% QoQ
|
+5.06% |
19.97%
+0.5% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.27%
+5.9% YoY
+3.3% QoQ
|
-0.28% |
0.55%
+9.0% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
13.85%
+3.1% YoY
-0.3% QoQ
|
+0.52% |
13.33%
-0.7% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.46%
+7.1% YoY
+32.6% QoQ
|
-0.63% |
1.09%
+2.4% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growth
#6 of 18 · Top 29% in Large
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.33%
(Tier: 0.88%, National: 0.66%)
18 of 18 Large banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Profitability Leader
growth
#9 of 18 · Top 47% in Large
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.72%
(Tier: 1.19%, National: 1.12%)
18 of 18 Large banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 6%
in Large
Why this stands out
Current:
35.05%
(Tier avg: 55.03%, National avg: 65.09%)
Concerns (2)
Credit Quality Pressure
risk
#3 of 35 · Bottom 6% in Large
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.33%
(Tier: 0.88%, National: 0.66%)
35 of 35 Large banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#6 of 26 · Bottom 20% in Large
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
26 of 26 Large banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
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
94
94th pctile
Efficiency Ratio
Current: 35.05% · Tier avg: 55.03%
87
87th pctile
Return on Assets
Current: 1.72% · Tier avg: 1.19%
87
87th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.88%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.55%
77
77th pctile
Total Loans
Current: $56.1B · Tier avg: $46.4B
71
71th pctile
Total Deposits
Current: $67.2B · Tier avg: $60.5B
70
70th pctile
Total Assets
Current: $79.7B · Tier avg: $74.9B
69
69th pctile
Tier 1 Capital Ratio
Current: 13.85% · Tier avg: 13.33%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 25.03% · Tier avg: 19.97%
54
54th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.46%
49
49th pctile
Loan-to-Deposit Ratio
Current: 83.46% · Tier avg: 81.72%
31
31th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 1.09%
Top Weaknesses
31
31th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 1.09%
49
49th pctile
Loan-to-Deposit Ratio
Current: 83.46% · Tier avg: 81.72%
54
54th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.46%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 25.03% · Tier avg: 19.97%
69
69th pctile
Tier 1 Capital Ratio
Current: 13.85% · Tier avg: 13.33%
70
70th pctile
Total Assets
Current: $79.7B · Tier avg: $74.9B
71
71th pctile
Total Deposits
Current: $67.2B · Tier avg: $60.5B
77
77th pctile
Total Loans
Current: $56.1B · Tier avg: $46.4B
81
81th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.55%
87
87th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.88%
87
87th pctile
Return on Assets
Current: 1.72% · Tier avg: 1.19%
94
94th pctile
Efficiency Ratio
Current: 35.05% · Tier avg: 55.03%