FDIC Cert #31628 · Pasadena, California · Est. 1972

East West Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$79.7B
Total assets
A
Health grade · Excellent
1.72%
Return on assets
13.9%
Tier 1 capital

Data updated July 2026

The verdict

East West Bank earns a PlainBankData health grade of A (95/100), with well-capitalized at 13.85% Tier 1, profitable at 1.72% ROA, efficient (35% cost ratio).

#38
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
13.85%
Tier 1 ratio - above the 10% well-capitalized line
83rd
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 31628 · CA A · 95/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (95/100)
  • TOP-DECILE #310/4307
  • PHOTO-FINISH WestStar Bank · TX
  • TIER1-WELL 13.9% Tier 1
  • TEXAS-CLEAN 2.1% Texas
  • ROA-STRONG 1.72% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: WestStar Bank, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around East West Bank

Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100CIBC Bank USA · IL · near95/100East West Bank · CA · this b…95/100Elizabethton Federal… · TN ·…95/100Goldman Sachs Bank USA · NY …95/100WestStar Bank · TX · near95/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around East West Bank · July 2026

Call Report read for East West Bank in a high-failure state

East West Bank (FDIC Cert #31628) carries a PlainBankData health grade of A at 95/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #310 of 4,307. Tier 1 capital prints at 13.85%, clearing the 10% well-capitalized line. The Texas Ratio is 2.08%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.72%. Balance-sheet scale is $79.7B, 38th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is WestStar Bank (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around East West Bank

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

East West Bank sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about East West Bank's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.

How East West Bank's 95/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10095/100
East West Bank's composite health score
Tier 1 Capital Ratio (13.85%) 35/40
Return on Assets (ROA) (1.72%) 25/25
Texas Ratio (2.08%) 20/20
Efficiency Ratio (35.05%) 15/15

95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$79.7B

Total balance-sheet footings

Total Deposits

$67.2B

Customer-funded liabilities

Net Loans

$56.1B

Outstanding loan book

Net Income

$1.3B

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.45% 13.85% 15.25%
Basel III capital ratios - East West Bank

Where East West Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. East West Bank's score of 95/100 falls in the highlighted band.

East West Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

95 Top 7% higher than 93% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. East West Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

East West Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). East West Bank's $79.7B falls in the highlighted band.

Capital & credit buffers at East West Bank

Tier 1 capital ratio
Well-capitalized 10%

13.85% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.85%
Texas Ratio
2.08%
Equity Capital
$8.2B

What these ratios mean →

Earnings posture at East West Bank

Return on Assets (ROA)
83rd percentile nationally
1.72%
Return on Equity (ROE)
17.27%
Efficiency Ratio
35.05%

What these mean →

Income & expense at East West Bank

$4.3B
Interest Income
$364M
Non-Interest Income
$1.0B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. East West Bank reports a Texas Ratio of 2.08% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.08% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View East West Bank on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

Top 5 banks in California ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to East West Bank by assets

Measured strictly by total assets rather than geography, East West Bank's closest national peers include First Horizon Bank, Webster Bank, UMB Bank, Flagstar Bank, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within California. Averaged across this asset-matched cohort, return on assets runs 0.94% (East West Bank is above that at 1.72%), the efficiency ratio averages 61.31% (East West Bank runs leaner at 35.05%), and Tier 1 capital averages 11.65% (East West Bank holds more at 13.85%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $79.7B in assets, East West Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to East West Bank nationally by total assets
  1. 1
    First Horizon Bank $83.6B

    Memphis, TN · Grade B

  2. 2
    Webster Bank $84.0B

    Stamford, CT · Grade A

  3. 3
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  4. 4
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

  5. 5
    Old National Bank $71.8B

    Evansville, IN · Grade B

  6. 6
    Zions Bancorporation $89.0B

    Salt Lake City, UT · Grade B

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
East West Bank (this bank) CA $79.7B 1.72% 35.05% 13.85%
First Horizon Bank TN $83.6B 1.35% 56.18% 10.98%
Webster Bank, National Association CT $84.0B 1.26% 46.99% 12.19%
UMB Bank, National Association MO $72.8B 1.01% 56.76% 11.34%
Flagstar Bank, National Association NY $87.5B -0.14% 93.16% 12.83%
Old National Bank IN $71.8B 1.16% 51.80% 11.05%
Zions Bancorporation, N.A. UT $89.0B 1.01% 62.94% 11.48%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($79.7B here), outside California so the neighborhood is not state containment.

First Horizon Bank $83.6B · TN Webster Bank $84.0B · CT UMB Bank $72.8B · MO Flagstar Bank $87.5B · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) East West Bank (FDIC Cert #31628) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

East West Bank Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
City National BankLos Angeles $98.4B A 0.95%
Banc of CaliforniaLos Angeles $34.7B B 0.78%
Axos BankSan Diego $27.2B A 1.77%
Cathay BankLos Angeles $24.2B A 1.38%
Mechanics BankWalnut Creek $22.4B A 1.44%
Bank of HopeLos Angeles $18.5B B 0.42%
Citizens Business Bank, National AssociationOntario $15.6B A 1.39%
Bank of America California, National AssociationSan Francisco $15.5B A 0.54%