BlastPoint's Banking Scorecard
The Bank of East Asia Ltd.
Community
Specialty: Commercial
NY
FDIC cert 33646
New York, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
The Bank of East Asia Ltd. has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 1% in Community
- - Deposit Outflow: Bottom 13% in Community
- - Return on Assets 1.16% below tier
- - Net Interest Margin 3.66% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.9B
-9.8% YoY
+1.3% QoQ
|
+$2.5B |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$2.4B
-8.1% YoY
-4.7% QoQ
|
+$1.5B |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$3.2B
-7.2% YoY
+3.2% QoQ
|
+$2.1B |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? | 0.00% | -1.16% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? | 0.00% | -3.66% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? | 0.00% | -62.63% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? |
1.83%
-47.1% QoQ
|
+1.21% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
76.03%
-1.0% YoY
-7.6% QoQ
|
-7.03% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? | - | - |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
- |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? | - | - |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (1)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (4)
Capital Thin
risk
#6 of 432 · Bottom 1% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#32 of 248 · Bottom 13% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Return on Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 3.66%, National avg: 3.75%)
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
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
96
96th pctile
Total Deposits
Current: $3.2B · Tier avg: $1.2B
96
96th pctile
Total Assets
Current: $3.9B · Tier avg: $1.4B
94
94th pctile
Total Loans
Current: $2.4B · Tier avg: $975.5M
31
31th pctile
Loan-to-Deposit Ratio
Current: 76.03% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
11
11th pctile
Delinquency Rate
Current: 1.83% · Tier avg: 0.63%
3
3th pctile
Return on Assets
Current: 0.00% · Tier avg: 1.16%
0
0th pctile
Net Interest Margin
Current: 0.00% · Tier avg: 3.66%
Top Weaknesses
0
0th pctile
Net Interest Margin
Current: 0.00% · Tier avg: 3.66%
3
3th pctile
Return on Assets
Current: 0.00% · Tier avg: 1.16%
11
11th pctile
Delinquency Rate
Current: 1.83% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Loan-to-Deposit Ratio
Current: 76.03% · Tier avg: 83.06%
94
94th pctile
Total Loans
Current: $2.4B · Tier avg: $975.5M
96
96th pctile
Total Assets
Current: $3.9B · Tier avg: $1.4B
96
96th pctile
Total Deposits
Current: $3.2B · Tier avg: $1.2B
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%