Amerasia Bank
Flushing, NY · Cert 27267 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36)
State charter, non-member · FDIC · 8 branches
Q2 2026
$1.1BAssets
$821.7MLoans
$914.0MDeposits
$160.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 2 of 35).
- Widest gap: nonperforming loans / loans trails 75% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 28 of 36).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.72%
Rank 9 of 36
Net Interest Margin
4.08%
Rank 6 of 36
Efficiency Ratio
36.38%
Rank 2 of 35
Equity / Assets
14.82%
Rank 9 of 36
Non-interest income vs. expense
Unfavorable gap of $15.1M · efficiency ratio beats 97% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.72% | 0.65% | 1.00% | 1.72% | Beats 75% | 9 / 36 | | |
| Return on Equity | 11.58% | 5.35% | 9.30% | 13.56% | Beats 66% | 12 / 35 | | |
| Net Interest Margin | 4.08% | 2.66% | 3.13% | 3.63% | Beats 83% | 6 / 36 | | |
| Efficiency Ratio | 36.38% | 52.19% | 63.09% | 75.14% | Beats 97% | 2 / 35 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.59% | 0.46% | 0.84% | 1.59% | Beats 25% | 28 / 36 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.03% | 0.14% | Beats 61% | 15 / 36 | | |
| Capital |
| Tier 1 Capital Ratio | 18.40% | 13.13% | 14.78% | 18.34% | Beats 78% | 8 / 36 | | |
| Total Risk-Based Capital Ratio | 19.27% | 13.73% | 15.96% | 19.27% | Beats 75% | 9 / 36 | | |
| Equity / Assets | 14.82% | 9.80% | 11.58% | 14.82% | Beats 75% | 9 / 36 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.90% | 81.12% | 95.13% | 103.24% | 39th pctl | 22 / 36 | | |
| Loans / Assets | 75.73% | 67.44% | 76.31% | 84.79% | 44th pctl | 20 / 36 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |