Los Angeles, CA · Cert 32277 · Eastern Intl Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #94 of 107 inst. · $0.1B of $667.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.37% | 0.11% | 0.20% | 0.00% | 0.28% | 0.35% | 0.81% | +61 bps | |
| Return on Equity | 2.43% | 2.19% | 0.66% | 1.13% | 0.02% | 1.60% | 2.04% | 4.66% | +353 bps | |
| Net Interest Margin | 3.20% | 3.17% | 3.59% | 3.58% | 3.67% | 3.84% | 3.81% | 3.87% | +29 bps | |
| Efficiency Ratio | 83.87% | 99.04% | 94.43% | 91.97% | 96.15% | 87.65% | 87.17% | 74.93% | -1,704 bps | |
| Non-Interest Burden | 2.67% | 3.14% | 3.39% | 3.29% | 3.53% | 3.36% | 3.31% | 2.76% | -52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.06% | 11.33% | 0.19% | 3.59% | -4.15% | -2.23% | 6.56% | 5.62% | +203 bps | |
| Loan Growth (YoY) | 0.71% | -4.72% | -8.98% | -8.04% | -3.91% | 11.25% | 17.23% | 17.92% | +2,596 bps | |
| Deposit Growth (YoY) | 4.97% | 14.03% | -0.61% | 3.83% | -5.85% | -7.96% | -2.86% | -3.89% | -773 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.58% | 1.51% | 1.54% | 1.56% | 1.51% | 1.43% | 1.38% | 1.40% | -17 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.36% | 17.54% | 19.31% | 19.13% | 18.93% | 18.53% | 18.48% | 18.27% | -86 bps | |
| Total Risk-Based Capital | 18.36% | 17.54% | 19.31% | 19.13% | 18.93% | 18.53% | 18.48% | 18.27% | -86 bps | |
| Equity / Assets | 17.23% | 16.33% | 18.16% | 17.87% | 18.21% | 17.18% | 17.45% | 17.42% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.30% | 85.01% | 94.74% | 90.64% | 96.25% | 102.75% | 114.33% | 111.21% | +2,057 bps | |
| Liquid Assets / Assets | 15.91% | 22.58% | 16.18% | 19.34% | 16.18% | 14.68% | 11.20% | 13.85% | -549 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 383% | 420% | 434% | n/a | n/a | |