Eastbank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Eastbank, N.A. is an FDIC-insured commercial bank headquartered in New York, NY, established in 1984 (FDIC certificate 25749), and it is supervised by the OCC. At Q2 2026 it reported total assets of $153.0M, up 6.9% from Q2 2025, the 97th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 29.85% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 25749
- Headquarters
- New York, NY
- Established
- 1984
- Total assets, Q2 2026
- $153.0M
- Assets vs Q2 2025
- +6.9%
- CET1 ratio, Q2 2026
- 29.85%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 026001465
- Latest call report
- Q2 2026, FFIEC 041 · Eastbank, N.A. call report
- Holding company
- EASTBANK CORPORATION
- Asset rank in state
- 97th of 105 in New York
Eastbank, N.A., based in New York, New York, reported $153 million in assets at June 30, 2026, up 6.9% from a year earlier. It returns 2.1% a year on shareholders' equity, a small fraction of the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 2.74% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Loans and deposits moved in opposite directions: over the year loans rose 6.9% and deposits fell 1.9%. Paper losses on its bond portfolio are shrinking: unrealized losses of $870,000 equal 2% of Tier 1 capital, down from 24% a year earlier. Costs are the weak spot: it spends about 82 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Eastbank, N.A. reported a CET1 capital ratio of 29.85%, a return on assets of 0.47%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Eastbank, N.A. is the 97th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 5.0% to $153.0M, loans rose 6.1% and deposits fell 0.1%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 49.9% of total loans, followed by multifamily loans at 29.5%. The FDIC Summary of Deposits lists a single office for it, in New York, NY. Judged on its Q2 2026 call report, Eastbank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 183 Centre St, New York, NY 10013
- County
- New York
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- November 26, 1984
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $104.7M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $154.8M
- Average total loans
- $98.1M
- Average interest-bearing deposits
- $87.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 26, 1984
- FDIC Cert
- 25749
- Fed RSSD
- 98717
- SEC CIK
- 1263810 → filed by EVERGREEN HOLDINGS, LLC
- Website
- www.eastbank-na.com →
- Parent Holding Company
- EASTBANK CORPORATION (RSSD 1249459)
- Ultimate Parent
- EVERGREEN HOLDINGS, LLC (RSSD 2698906)
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
Over the 12 quarters to Q2 2026, Eastbank, N.A.'s total assets ran between $143.1M (Q2 2025) and $160.9M (Q4 2024), and it earned a profit in 3 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$153.0M total assets against $143.1M; $118.0M total liabilities against $114.6M.
$98.7M net loans and leases against $92.5M; $104.7M total deposits against $106.7M.
$28.3M securities against $30.7M; $17.2M cash and balances due against $7.8M.
$2.2M total interest income against $2.0M; $799K total interest expense against $888K.
$1.4M net interest income against $1.1M.
$59K total noninterest income against $43K; $1.2M total noninterest expense against $1.2M.
$0 provision for credit losses against $0.
$183K net income against -$75K.
0.47% return on assets against -0.20%; 3.85% net interest margin against 2.95%.
29.85% CET1 capital ratio against 29.49%; 22.99% tier 1 leverage ratio against 22.11%.
Inside the full Eastbank, N.A. 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Eastbank, N.A. rankings
Its closest position to the top of a national ranking is 81 of 2,134, for CET1 ratio; its furthest is 3,567 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.50% (Q4 2025) to 6.18% (Q3 2025) and its net interest margin ran from 2.61% (Q4 2024) to 3.85% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 29.85% | 0.47% | 0.00% | 0.00% | 3.85% |
| Q1 2026 | 31.23% | 0.36% | 0.00% | 0.00% | 3.74% |
| Q4 2025 | 31.04% | -2.50% | 0.00% | 0.00% | 3.64% |
| Q3 2025 | 35.44% | 6.18% | 0.00% | 0.00% | 3.08% |
| Q2 2025 | 29.49% | -0.20% | 0.00% | 1.67% | 2.95% |
| Q1 2025 | 29.17% | -0.22% | 0.00% | 0.00% | 2.75% |
| Q4 2024 | 29.15% | -0.24% | 0.00% | 0.00% | 2.61% |
| Q3 2024 | 29.52% | -0.39% | 0.00% | 0.00% | 2.66% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Eastbank, N.A. (main office) | New York , NY | 10013 | $104.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- April 13, 1993, OCC: Formal Agreement: Eastbank, National Association
- Period: Most recent institution action April 13, 1993. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 151 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, 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 Eastbank, N.A.
What are Eastbank, N.A.'s total assets?
As of the Q2 2026 filing, Eastbank, N.A. reported total assets of $153.0 million in its FFIEC call report.
Where is Eastbank, N.A. headquartered?
It is headquartered in New York, NY, United States.
When was Eastbank, N.A. founded?
It was established in 1984, per the FDIC institution directory.
Is Eastbank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25749). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Eastbank, N.A.?
Eastbank, N.A.'s primary federal regulator is the OCC.
What is Eastbank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 29.85% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Eastbank, N.A. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Eastbank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% 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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