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Eastbank, National Association

New York, NY · Cert 25749 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31) · Evergreen Holdings LLC

National charter · OCC · 1 branch

Q2 2026

$153.0MAssets
$101.3MLoans
$104.7MDeposits
$35.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 5 of 30).
  • Widest gap: return on equity trails 61% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 19 of 31).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

0.41%

Rank 15 of 31

Net Interest Margin

3.53%

Rank 11 of 31

Efficiency Ratio

83.66%

Rank 16 of 31

Equity / Assets

22.89%

Rank 7 of 31

Non-interest income vs. expense

$0.2M$4.8MINCOMEEXPENSE
Unfavorable gap of $4.5M · efficiency ratio beats 52% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 83.66%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.41%-0.02%0.39%0.84%Beats 52%15 / 31
Return on Equity1.80%-0.19%2.57%5.72%Beats 39%19 / 31
Net Interest Margin3.53%2.51%3.30%3.85%Beats 65%11 / 31
Efficiency Ratio83.66%68.41%83.66%91.76%Beats 52%16 / 31
Asset Quality
Nonperforming Loans / Loans0.00%0.18%0.47%2.65%Beats 100%5 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 30
Capital
Tier 1 Capital Ratio29.85%13.24%15.54%26.77%Beats 77%7 / 31
Total Risk-Based Capital Ratio31.11%14.07%16.32%26.77%Beats 77%7 / 31
Equity / Assets22.89%10.38%13.26%17.83%Beats 77%7 / 31
Liquidity & Funding
Loans / Deposits96.74%84.03%94.98%103.65%52nd pctl15 / 31
Loans / Assets66.19%61.61%75.31%83.78%29th pctl22 / 31
Brokered Deposits / Depositsn/aNot reported for this institution