Total Assets
$126M
Total balance-sheet footings
FDIC Cert #32277 · Los Angeles, California · Est. 1985
Eastern International Bank - FDIC Bank Health Profile
A community-scale look at Eastern International Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $126M
- Total assets
- B
- Health grade · Good
- 0.15%
- Return on assets
- 18.5%
- Tier 1 capital
Data updated July 2026
The verdict
Eastern International Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 18.53% Tier 1, 0.15% ROA, 92% efficiency ratio.
- #3,544
- largest of 4,313 FDIC banks by assets
- 18th
- percentile by asset size, nationally
- 18.53%
- Tier 1 ratio - above the 10% well-capitalized line
- 7th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Eastern International Bank's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Eastern International Bank's composite health score
Tier 1 Capital Ratio (18.53%) 40/40
Return on Assets (ROA) (0.15%) 7/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (92.45%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$93M
Customer-funded liabilities
Net Loans
$94M
Outstanding loan book
Net Income
$182K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Eastern International Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Eastern International Bank's score of 67/100 falls in the highlighted band.
Eastern International 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). Eastern International Bank's $126M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.53% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.53%
Texas Ratio
0.00%
Equity Capital
$22M
Profitability metrics
Return on Assets (ROA)
7th percentile nationally
0.15%
Return on Equity (ROE)
0.86%
Efficiency Ratio
92.45%
What the numbers say about Eastern International Bank
Eastern International Bank is an FDIC-insured institution (Certificate #32277) headquartered in Los Angeles, California, established in 1985. It holds $126M in total assets - 3,544th of 4,313 FDIC-insured banks, $93M in customer deposits, and $94M in net loans. On safety, its Tier 1 capital ratio of 18.53% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (67/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Eastern International Bank ranks 114th of 121 banks based in California -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$7M
Interest Income
$91K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Eastern International Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Eastern International Bank (FDIC Cert #32277) - 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.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| 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% |
Frequently asked questions
What is Eastern International Bank's health grade?▼
Eastern International Bank receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Eastern International Bank?▼
Eastern International Bank holds $126M in total assets and $93M in deposits, ranking 3,544th of 4,313 FDIC-insured banks by asset size. It is headquartered in Los Angeles, California.
Is my money safe at Eastern International Bank?▼
Yes, deposits at Eastern International Bank (Certificate #32277) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Eastern International Bank's Tier 1 Capital Ratio?▼
Eastern International Bank has a Tier 1 Capital Ratio of 18.53%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Eastern International Bank?▼
Eastern International Bank has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Eastern International Bank?▼
Eastern International Bank has an Efficiency Ratio of 92.45%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Eastern International Bank's profile as a depositor or analyst.
- Eastern International Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Eastern International Bank against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.