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Eastern International Bank

Los Angeles, CA · Cert 32277 · Eastern Intl Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27 to 28). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

68

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

32

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Eastern International Bank

Los Angeles, CA · Cert 32277 · Eastern Intl Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$125.8MAssets
$98.0MLoans
$88.1MDeposits
$21.9MEquity
Loan mix
100%RE $99.1M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
96%Interest-bearing $84.3M4%Noninterest $3.9MQ2 2025Q2 2026

NIM

5.68%Q2 ’245.49%Q2 ’255.71%Q2 ’26-5%+7%

Non-interest income vs. expense

3.32%Q2 ’243.40%Q2 ’253.32%Q2 ’26+3%-9%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #94 of 107 inst. · $0.1B of $667.8B

Executive Summary

  • Earnings: ROA of 0.58%, up 42 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 18.27%, down 86 bps from a year ago.
  • Funding: loans stand at 111.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.58%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+24 bps YoY

Efficiency Ratio (YTD, annualized)

80.58%-1,262 bps YoY

Tier 1 Leverage Ratio

18.27%-86 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.16%0.11%0.15%0.35%0.58%+42 bps
Return on Equity0.90%0.60%0.86%2.04%3.35%+245 bps
Net Interest Margin3.57%3.57%3.57%3.81%3.80%+24 bps
Efficiency Ratio93.20%94.20%92.45%87.17%80.58%-1,262 bps
Non-Interest Burden3.32%3.36%3.30%3.31%3.00%-31 bps
Growth
Asset Growth (YoY)3.59%-4.15%-2.23%6.56%5.62%+203 bps
Loan Growth (YoY)-8.04%-3.91%11.25%17.23%17.92%+2,596 bps
Deposit Growth (YoY)3.83%-5.85%-7.96%-2.86%-3.89%-773 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.56%1.51%1.43%1.38%1.40%-17 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio19.13%18.93%18.53%18.48%18.27%-86 bps
Total Risk-Based Capital19.13%18.93%18.53%18.48%18.27%-86 bps
Equity / Assets17.87%18.21%17.18%17.45%17.42%-45 bps
Liquidity & Funding
Loans / Deposits90.64%96.25%102.75%114.33%111.21%+2,057 bps
Liquid Assets / Assets19.34%16.18%14.68%11.20%13.85%-549 bps
CRE / Total Capitaln/a383%420%434%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Eastern International Bank

Los Angeles, CA · Cert 32277 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28) · Eastern Intl Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$125.8MAssets
$98.0MLoans
$88.1MDeposits
$21.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 9 of 27).
  • Widest gap: return on assets trails 71% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 20 of 28).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.58%

Rank 20 of 28

Net Interest Margin

3.80%

Rank 12 of 28

Efficiency Ratio

80.58%

Rank 20 of 28

Equity / Assets

17.42%

Rank 7 of 28

Non-interest income vs. expense

$0.4M$4.2MINCOMEEXPENSE
Unfavorable gap of $3.8M · efficiency ratio beats 32% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 80.58%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.58%0.39%0.81%1.45%Beats 29%20 / 28
Return on Equity3.32%2.58%5.09%9.10%Beats 32%19 / 28
Net Interest Margin3.80%3.22%3.68%4.12%Beats 57%12 / 28
Efficiency Ratio80.58%56.77%70.25%85.37%Beats 32%20 / 28
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.26%1.61%Beats 100%9 / 27
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 27
Capital
Tier 1 Capital Ratio18.27%13.70%16.46%19.75%Beats 68%9 / 28
Total Risk-Based Capital Ratio18.27%14.96%17.60%20.63%Beats 61%11 / 28
Equity / Assets17.42%11.97%15.41%17.42%Beats 75%7 / 28
Liquidity & Funding
Loans / Deposits111.21%84.00%97.95%102.47%89th pctl3 / 28
Loans / Assets77.88%69.18%76.59%81.19%57th pctl12 / 28
Brokered Deposits / Depositsn/aNot reported for this institution