Amerasia Bank
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Data as of · sourced from FFIEC call reports. How we update
Amerasia Bank is an FDIC-insured commercial bank headquartered in Flushing, NY, established in 1988 (FDIC certificate 27267), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.08B, up 8.8% from Q2 2025, the 50th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 18.40% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27267
- Headquarters
- Flushing, NY
- Established
- 1988
- Total assets, Q2 2026
- $1.08B
- Assets vs Q2 2025
- +8.8%
- CET1 ratio, Q2 2026
- 18.40%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 026011484
- Latest call report
- Q2 2026, FFIEC 051 · Amerasia Bank call report
- Asset rank in state
- 50th of 105 in New York
Problem loans are rising at Amerasia Bank. Based in Flushing, New York, it had $1.1 billion in assets at June 30, 2026, up 8.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.59% of loans from 0.86% a year earlier. It spends about 38 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also funds 15.12% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.52%).
Delinquency has appeared in its $154 million multifamily book: 3.76% of those loans are past due or on nonaccrual, against almost none a year earlier. Delinquency has appeared in its $411 million non-owner-occupied commercial real estate book: 1.76% of those loans are past due or on nonaccrual, against almost none a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.5 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
As of June 30, 2026, Amerasia Bank reported a CET1 capital ratio of 18.40%, a return on assets of 1.70%, a nonperforming-loan ratio of 1.59% and a Texas ratio of 7.74%. The figures come from its call report filed with the FFIEC.
Amerasia Bank ranks as the 50th largest of the 105 banks based in New York, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.0% to $1.08B, loans rose 3.8% and deposits rose 5.4%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 50.0% of total loans, followed by multifamily loans at 18.7%. Its 8 offices in the FDIC Summary of Deposits are in 7 cities across 2 states; its Flushing office books 43% of its branch deposits. On its Q2 2026 call report, Amerasia Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4106 Main St, Flushing, NY 11355
- County
- Queens
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 20, 1988
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 93
- Domestic deposits
- $914.0M
- Allowance for credit losses
- $7.6M
- Net charge-offs (YTD)
- $87K
- Average total assets
- $1.07B
- Average total loans
- $781.3M
- Average interest-bearing deposits
- $734.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 20, 1988
- FDIC Cert
- 27267
- Fed RSSD
- 1169650
- Website
- www.amerasiabankny.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Amerasia Bank's total assets ranged from $821.0M (Q3 2023) to $1.08B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.08B total assets against $996.9M; $924.2M total liabilities against $849.8M.
$814.1M net loans and leases against $749.6M; $914.0M total deposits against $817.1M.
$152.2M securities against $110.5M; $78.0M cash and balances due against $99.4M.
$17.2M total interest income against $17.4M; $6.1M total interest expense against $6.2M.
$11.1M net interest income against $11.2M.
$272K total noninterest income against $269K; $4.3M total noninterest expense against $4.0M.
$450K provision for credit losses against $98K.
$4.5M net income against $5.5M.
1.70% return on assets against 2.20%; 4.31% net interest margin against 4.64%.
18.40% CET1 capital ratio against 18.91%; 15.12% tier 1 leverage ratio against 14.75%.
Inside the full Amerasia Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Amerasia Bank rankings
Its closest position to the top of a national ranking is 153 of 3,606, for efficiency ratio; its furthest is 911 of 3,611, for ROA.
Metric pages for Amerasia Bank: Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.36% (Q4 2025) to 2.84% (Q3 2025) and its net interest margin ran from 4.16% (Q1 2025) to 4.95% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.40% | 1.70% | 1.59% | 7.74% | 4.31% |
| Q1 2026 | 18.71% | 1.88% | 1.63% | 7.90% | 4.36% |
| Q4 2025 | 19.34% | 1.36% | 0.82% | 3.86% | 4.59% |
| Q3 2025 | 19.86% | 2.84% | 0.78% | 3.59% | 4.95% |
| Q2 2025 | 18.91% | 2.20% | 0.86% | 4.21% | 4.64% |
| Q1 2025 | 18.66% | 1.99% | 0.84% | 4.37% | 4.16% |
| Q4 2024 | 18.53% | 1.54% | 0.86% | 4.52% | 4.23% |
| Q3 2024 | 19.08% | 2.17% | 0.86% | 4.44% | 4.49% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Amerasia Bank (main office) | Flushing , NY | 11355 | $393.4M |
| 86-26 Broadway Branch | Elmhurst , NY | 11373 | $133.5M |
| Bayside Branch Office | Bayside , NY | 11361 | $113.0M |
| Orlando Branch Office | Orlando , FL | 32808 | $88.9M |
| Sunrise Branch Office | Sunrise , FL | 33322 | $80.9M |
| Miami Branch | Miami , FL | 33166 | $62.1M |
| North Miami Beach Branch | Miami , FL | 33162 | $40.2M |
| Doral Florida Branch | Doral , FL | 33166 | $2.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 2, 2013 | Structure Change | Acquired Great Eastern Bank of Florida Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 91 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $300K approved, $300K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Amerasia Bank
What are Amerasia Bank's total assets?
As of the Q2 2026 filing, Amerasia Bank reported total assets of $1.08 billion in its FFIEC call report.
Where is Amerasia Bank headquartered?
It is headquartered in Flushing, NY, United States.
When was Amerasia Bank founded?
It was established in 1988, per the FDIC institution directory.
Is Amerasia Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27267). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Amerasia Bank?
Amerasia Bank's primary federal regulator is the FDIC.
What is Amerasia Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.40% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Amerasia Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Amerasia Bank's Texas Ratio?
Its Texas Ratio is 7.74% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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