# BANK OF EAST ASIA LTD
NEW YORK, NY · FDIC certificate 26028 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $449.6M | |
| Deposits | $19.7M | |
| Loans and leases | $396.0M | |
| Total equity | $0 | |
| Loans / deposits | 2008.94% (p100 of band) | 82.04% |
| Liquid assets / assets | 0.00% (p0 of band) | |
| Uninsured deposits / deposits | 0.00% (p0 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.12% (p80 of band) | |
| FHLB advances / assets | – | |
| Tier 1 leverage | 0.00% (p0 of band) | 10.81% |
| Unrealized securities loss / equity | – | -8.10% |
| AOCI / equity | – | |
| ROA (annualized) | 0.00% (p3 of band) | 1.28% |
| Net interest margin | 0.00% (p0 of band) | 3.91% |
| Efficiency ratio | 0.00% (p0 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 29% | |
| Construction % of loans | – | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | 1.1% | |
| Employees | 0 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2013-06 | 8 | loans exceed deposits, wholesale funding >15%, liquid assets <10%, leverage <7%, leverage <5%, NIM <2.5%, noncurrent p90 |  |
| 2013-09 | 7 |  | wholesale funding >15% |
| 2013-12 | 7 |  |  |
| 2014-03 | 7 |  |  |
| 2014-06 | 6 |  | noncurrent p90 |
| 2014-09 | 6 |  |  |
| 2014-12 | 7 | deposits shrinking |  |
| 2015-03 | 7 |  |  |
| 2015-06 | 7 |  |  |
| 2015-09 | 7 |  |  |
| 2015-12 | 7 |  |  |
| 2016-03 | 8 | assets shrinking |  |
| 2016-06 | 8 |  |  |
| 2016-09 | 8 | wholesale funding >15% | deposits shrinking |
| 2016-12 | 7 |  | wholesale funding >15% |
| 2017-03 | 7 |  |  |
| 2017-06 | 7 |  |  |
| 2017-09 | 7 | wholesale funding >15% | assets shrinking |
| 2017-12 | 6 |  | wholesale funding >15% |
| 2018-03 | 6 |  |  |
| 2018-06 | 7 | deposits shrinking |  |
| 2018-09 | 6 |  | deposits shrinking |
| 2018-12 | 6 |  |  |
| 2019-03 | 7 | deposits shrinking |  |
| 2019-06 | 6 |  | deposits shrinking |
| 2019-09 | 6 |  |  |
| 2019-12 | 6 |  |  |
| 2020-03 | 6 |  |  |
| 2020-06 | 6 |  |  |
| 2020-09 | 6 |  |  |
| 2020-12 | 6 |  |  |
| 2021-03 | 6 |  |  |
| 2021-06 | 6 |  |  |
| 2021-09 | 7 | assets shrinking |  |
| 2021-12 | 7 |  |  |
| 2022-03 | 7 |  |  |
| 2022-06 | 7 |  |  |
| 2022-09 | 8 | noncurrent p90 |  |
| 2022-12 | 7 |  | assets shrinking |
| 2023-03 | 8 | assets shrinking |  |
| 2023-06 | 7 |  | noncurrent p90 |
| 2023-09 | 7 | noncurrent p90 | assets shrinking |
| 2023-12 | 7 |  |  |
| 2024-03 | 7 |  |  |
| 2024-06 | 7 |  |  |
| 2024-09 | 8 | assets shrinking |  |
| 2024-12 | 8 |  |  |
| 2025-03 | 8 |  |  |
| 2025-06 | 7 |  | assets shrinking |
| 2025-09 | 7 |  |  |
| 2025-12 | 7 |  |  |
| 2026-03 | 7 |  |  |
| 2026-06 | 6 |  | noncurrent p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-24 [Bank of East Asia - Forbes](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9EZU9zMXl4aUhDTEwzQmczT0wwelFOLU1DSDVmc0Y2U1JOcUlMYTlPT1NZcjRSRVVwX3Zmd0daU09uZk9HdVpvU3FxQUh4WUdGRjRpa1pia1NadjJNd0E3Mg?oc=5) · Forbes
- 2026-08-27 [All You Need to Know About The Bank of East Asia (BKEAY) Rating Upgrade to Buy - Yahoo Finance](https://news.google.com/rss/articles/CBMilAFBVV95cUxPb1FhREpJb2gyMlVwMEJTSWltazVUM1B3UUQ2UGw1RG8yZUJ3UmJjVXIyY25FcndCTW80S3BDR2R5VmRPQmt1YmtiT0xtRU5oQVRjNldQYTBFVGpWUGEwX3BrcExKRXpRLXp0SC03NTF2ZjMxY3NRRVV1YnhTR2Znc3FlVnI1WS0wN0NPV1pYQm4wa0ZY?oc=5) · Yahoo Finance
- 2020-03-05 [Elliott Reaches Truce in Long Battle Over Hong Kong Bank - WSJ](https://news.google.com/rss/articles/CBMiowFBVV95cUxQX0FEQzR0TTF1YzRYSEc3REhpUXB4cW5PTGk0aGhzeVRBRWpSVEVzckc1bllCcG9PVDF2elB2b1VqNmtFblhSNDhOaDhhNTVQWkwteEV0ZlVNNjMzcFZHeWRPTnJNMUhCdGlCUzBnWGE0QlhDTEYycDJBSnhqams3MnNNMEhCbGdNYWVCdWs1cG56U1BnV2M0VUFDb3RxSWZROGF3?oc=5) · WSJ
- 2022-09-14 [Bank of East Asia Executive in China Detained on Bribery Charge - Bloomberg.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxNRW8wc3NVYm9MQXBYdHR5c3dOQ0dqUWpXa243ZDRvZXk2Q3FuTFhNUVlmcWhZd19KTWlaZkZqY09HZDJPSjBkb3RSNFhnV1JkcGxLRlNsWmNLbHRGVUZKQXE5VWNQZ21tTHR5bkNDM2FMek92UUoxMlRMblpjclJfd05md1k3dU1GQXgwZHM2TEFjczFsYlZmX0NmMDdSTURvUEt4RnR0ak4xOVc5TlhyaHBDdEs?oc=5) · Bloomberg.com
- 2026-07-28 [Bank of NT Butterfield Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE10YTF4bVVjSU01MXJvRnZvR1o1ckxidnByajdMOUdUUF9lbFMwZUoxc3VDX0FoOTZxSjZOaHNpOU1TUTJLUV9jdXlhcTJ4UUs3TF9ZdkpZd00yeE9QN09udjA3UU5kNVhMOHA1Yy1VNkZtSEVlMXVURVBB?oc=5) · reveliolabs.com
- 2025-03-21 [Canadian arm of China’s largest bank repeatedly broke money-laundering rules despite multiple warnings from regulators - The Globe and Mail](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQVVpyV2hyaDlsdHVKTXZFWjRYaEM3b3d4S1Fidlc3QjJpVFFvTExWMWpMYjhfZE84SnQ0OHYxaVpEVUtoX3RfNFBNREtqN296aXJ0U1JnR2JwY3VqdmtBUGRCN0s2TDlIV29Wb2RBY2FTVVR5VDU1bXRLT2ZfOFZaRndGa0xZa0RLdzNLZ284MFdrZDRxWEZkcVc4cUMwNUVmT0tUM0RMa2ZKZllsUDZvd1dqUHNfS2Q4WUlz?oc=5) · The Globe and Mail
- 2014-09-06 [Sumitomo to buy into Bank of East Asia - Bangkok Post](https://news.google.com/rss/articles/CBMilAFBVV95cUxQelJjRW9zQU5tRzJpcm43RzZFOGU4R2pYV2g0WkxRWDVLbFcycGh3SUFJeU1lblNPUHoyQl9GX2ZfSDVpRFdjQTU4eEVzUi1rRHdRQ2dOTzlTb2ktRTFMM1Z6REtjU25FYmpiU1dJdVFBU2Rva0RzckVud2Q5ODJGNkR2YnBzVzRTZGhuNU15UHJxLXQ3?oc=5) · Bangkok Post
- 2022-06-01 [PGIM and Toll Brothers Secure $226M to Develop Boston Multifamily - Globest](https://news.google.com/rss/articles/CBMiowFBVV95cUxNOE5CS1AxM3Q4R2RyZ3lfN0JNOVF1R1lEMDlfeUw4ZUEwbVBQNlpReUxreEk0dURDbUdUU1pkclZLeldscmNNZGtkQmpTTTdQa0FncGNLQ05zLUVTYk52QkhzdVFBUEJPeHpWQlg5c1NlYkRsU0NhckxwSFR2cEF6bGI5ZE5mSkQ3UUtQeThRWDdWZEN5N1hfRjRCZGRVNzhieVF3?oc=5) · Globest

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26028 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/44.json (key "26028", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide