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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

$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