Eastbank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 5.59 percentage points in Q2 2026, from 91.15% to 96.74%. It was the largest change from Q1 2026 among the key lines here. Within New York, Eastbank, N.A. is 87th of 105 on return on assets, 0.47% as of Q2 2026, below the middle of the field. Eastbank, N.A.'s return on assets of 0.47% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.78 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 29.85% |
| Tier 1 risk-based capital ratio | 29.85% |
| Total risk-based capital ratio | 31.11% |
| Tier 1 leverage ratio | 22.99% |
| Equity capital to assets | 22.89% |
| Tangible equity to tangible assets | 22.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 2.55% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.47% |
| Return on equity | 2.09% |
| Net interest margin | 3.85% |
| Efficiency ratio | 82.01% |
| Yield on earning assets | 6.01% |
| Cost of funds | 2.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.74% |
| Core deposits to total deposits | 90.97% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 68.42% |
| Securities to assets | 18.51% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 30.97% | 30.97% | 32.23% | 20.85% | -0.06% |
| Q4 2023 | 29.90% | 29.90% | 31.16% | 21.08% | -0.16% |
| Q1 2024 | 30.06% | 30.06% | 31.32% | 21.20% | -0.48% |
| Q2 2024 | 29.21% | 29.21% | 30.47% | 21.66% | -0.53% |
| Q3 2024 | 29.52% | 29.52% | 30.78% | 21.74% | -0.39% |
| Q4 2024 | 29.15% | 29.15% | 30.40% | 20.70% | -0.24% |
| Q1 2025 | 29.17% | 29.17% | 30.43% | 21.15% | -0.22% |
| Q2 2025 | 29.49% | 29.49% | 30.75% | 22.11% | -0.20% |
| Q3 2025 | 35.44% | 35.44% | 36.71% | 23.78% | 6.18% |
| Q4 2025 | 31.04% | 31.04% | 32.31% | 23.52% | -2.50% |
| Q1 2026 | 31.23% | 31.23% | 32.49% | 24.27% | 0.36% |
| Q2 2026 | 29.85% | 29.85% | 31.11% | 22.99% | 0.47% |
Eastbank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Eastbank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Eastbank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25749) · FFIEC NIC profile (RSSD 98717)