BlastPoint's Banking Scorecard
Asian Bank
Community
Specialty: Commercial
PA
FDIC cert 34759
Philadelphia, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Asian Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 15.13% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 2% in Community
- - NIB Deposit Bleed: Bottom 70% in Community
- - Non-Interest Income / Assets 0.64% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$660.4M
+16.5% YoY
+5.0% QoQ
|
-$731.1M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$493.4M
+21.6% YoY
+2.4% QoQ
|
-$482.1M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$479.9M
+20.6% YoY
+6.4% QoQ
|
-$684.7M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
1.24%
+13.5% YoY
-2.3% QoQ
|
+0.07% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
3.38%
+10.8% YoY
+1.5% QoQ
|
-0.28% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
49.32%
-11.4% YoY
+1.8% QoQ
|
-13.31% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Top 15% in tier |
| Delinquency Rate ? |
0.94%
+406.3% YoY
+25.9% QoQ
|
+0.32% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
102.82%
+0.8% YoY
-3.8% QoQ
|
+19.76% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.28%
-13.7% YoY
-4.5% QoQ
|
-4.76% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.71%
+428.5% YoY
+22.7% QoQ
|
+0.21% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
25.38%
-13.1% YoY
-0.0% QoQ
|
+15.13% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.10%
-39.2% YoY
+27.7% QoQ
|
-0.64% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 2%
in Community
Why this stands out
Current:
25.38%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Liquidity Overhang
risk
#7 of 268 · Bottom 2% 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:
25.38%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
102.82%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
NIB Deposit Bleed
decline
#63 of 89 · Bottom 70% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
16.28%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Non-Interest Income / Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
0.10%
(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
98
98th pctile
Tier 1 Capital Ratio
Current: 25.38% · Tier avg: 10.24%
85
85th pctile
Efficiency Ratio
Current: 49.32% · Tier avg: 62.63%
59
59th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
35
35th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.28% · Tier avg: 21.05%
30
30th pctile
Total Loans
Current: $493.4M · Tier avg: $975.5M
29
29th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.50%
27
27th pctile
Delinquency Rate
Current: 0.94% · Tier avg: 0.63%
23
23th pctile
Total Assets
Current: $660.4M · Tier avg: $1.4B
10
10th pctile
Total Deposits
Current: $479.9M · Tier avg: $1.2B
9
9th pctile
Loan-to-Deposit Ratio
Current: 102.82% · Tier avg: 83.06%
3
3th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.74%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.74%
9
9th pctile
Loan-to-Deposit Ratio
Current: 102.82% · Tier avg: 83.06%
10
10th pctile
Total Deposits
Current: $479.9M · Tier avg: $1.2B
23
23th pctile
Total Assets
Current: $660.4M · Tier avg: $1.4B
27
27th pctile
Delinquency Rate
Current: 0.94% · Tier avg: 0.63%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.50%
30
30th pctile
Total Loans
Current: $493.4M · Tier avg: $975.5M
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.28% · Tier avg: 21.05%
35
35th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
59
59th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
85
85th pctile
Efficiency Ratio
Current: 49.32% · Tier avg: 62.63%
98
98th pctile
Tier 1 Capital Ratio
Current: 25.38% · Tier avg: 10.24%