BlastPoint's Banking Scorecard
Eastern International Bank
Micro
Specialty: Commercial
CA
FDIC cert 32277
Designations: ✓ Community bank
Los Angeles, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Eastern International Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.93% below tier
- - Efficiency Ratio 24.72% above tier
- - Loan-to-Deposit Ratio 26.76% above tier
- - Non-Interest-Bearing Deposit Share 18.26% below tier
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$125.5M
-2.2% YoY
+6.8% QoQ
|
-$92.0M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$94.2M
+11.3% YoY
+10.3% QoQ
|
-$45.0M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$93.0M
-8.0% YoY
+3.3% QoQ
|
-$90.7M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
0.15%
-61.1% YoY
+41.0% QoQ
|
-0.93% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
3.73%
+4.0% YoY
+1.6% QoQ
|
-0.12% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
92.45%
+4.3% YoY
-1.9% QoQ
|
+24.72% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
101.28%
+21.0% YoY
+6.8% QoQ
|
+26.76% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.14%
-4.1% YoY
-6.6% QoQ
|
-18.26% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.07%
-6.0% YoY
+20.1% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (2)
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%)
Concerns (5)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.15%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
92.45%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
101.28%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
4.14%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 0.56%, 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
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%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Net Interest Margin
Current: 3.73% · Tier avg: 3.85%
41
41th pctile
Total Loans
Current: $94.2M · Tier avg: $139.2M
30
30th pctile
Total Assets
Current: $125.5M · Tier avg: $217.5M
26
26th pctile
Total Deposits
Current: $93.0M · Tier avg: $183.7M
9
9th pctile
Return on Assets
Current: 0.15% · Tier avg: 1.08%
8
8th pctile
Loan-to-Deposit Ratio
Current: 101.28% · Tier avg: 74.53%
8
8th pctile
Efficiency Ratio
Current: 92.45% · Tier avg: 67.73%
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 4.14% · Tier avg: 22.39%
Top Weaknesses
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 4.14% · Tier avg: 22.39%
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
8
8th pctile
Efficiency Ratio
Current: 92.45% · Tier avg: 67.73%
8
8th pctile
Loan-to-Deposit Ratio
Current: 101.28% · Tier avg: 74.53%
9
9th pctile
Return on Assets
Current: 0.15% · Tier avg: 1.08%
26
26th pctile
Total Deposits
Current: $93.0M · Tier avg: $183.7M
30
30th pctile
Total Assets
Current: $125.5M · Tier avg: $217.5M
41
41th pctile
Total Loans
Current: $94.2M · Tier avg: $139.2M
46
46th pctile
Net Interest Margin
Current: 3.73% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
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%