# AMERASIA BANK
FLUSHING, NY · FDIC certificate 27267 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $1.08B | |
| Deposits | $914.0M | |
| Loans and leases | $821.7M | |
| Total equity | $160.8M | |
| Loans / deposits | 89.07% (p56 of band) | 87.10% |
| Liquid assets / assets | 21.22% (p50 of band) | |
| Uninsured deposits / deposits | 21.86% (p21 of band) | 30.76% |
| Brokered deposits | 2.39% | |
| Wholesale funding | 2.75% (p33 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.12% (p93 of band) | 10.50% |
| Unrealized securities loss / equity | -0.41% (p94 of band) | -7.75% |
| AOCI / equity | -0.24% (p54 of band) | |
| ROA (annualized) | 1.79% (p82 of band) | 1.26% |
| Net interest margin | 4.39% (p84 of band) | 3.70% |
| Efficiency ratio | 36.38% (p6 of band) | |
| Noncurrent loans | 1.59% (p86 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p45 of band) | |
| Reserve coverage of noncurrent | 58.34% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 20.58% (p18 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 11.9% | |
| Employees | 93 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | liquid assets <10% |  |
| 2011-06 | 0 |  | liquid assets <10% |
| 2011-09 | 1 | brokered >10% |  |
| 2011-12 | 2 | liquid assets <10% |  |
| 2012-03 | 1 |  | liquid assets <10% |
| 2012-06 | 2 | construction >100% equity |  |
| 2012-09 | 3 | liquid assets <10% |  |
| 2012-12 | 0 |  | brokered >10%, construction >100% equity, liquid assets <10% |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | liquid assets <10% |  |
| 2014-09 | 2 | loans exceed deposits |  |
| 2014-12 | 0 |  | liquid assets <10%, loans exceed deposits |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 | brokered >10% | loans exceed deposits |
| 2016-12 | 3 | loans exceed deposits, capital falling | brokered >10% |
| 2017-03 | 0 |  | liquid assets <10%, loans exceed deposits, capital falling |
| 2017-06 | 1 | liquid assets <10% |  |
| 2017-09 | 2 | loans exceed deposits |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | liquid assets <10% |
| 2019-06 | 2 | liquid assets <10% |  |
| 2019-09 | 1 |  | liquid assets <10% |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | liquid assets <10% |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | liquid assets <10% |
| 2021-03 | 1 | capital falling | loans exceed deposits |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 4 | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking |  |
| 2022-12 | 3 |  | liquid assets <10% |
| 2023-03 | 4 | liquid assets <10% |  |
| 2023-06 | 3 |  | liquid assets <10% |
| 2023-09 | 2 | liquid assets <10% | deposits shrinking, assets shrinking |
| 2023-12 | 2 | capital falling | liquid assets <10% |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | loans exceed deposits |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | reserve under noncurrent |  |
| 2026-06 | 2 | capital falling |  |

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

- 2021-10-11 [Amerasia Bank buys Orlando branch - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxOYUhUb1YzWUVCVVVCQmFjQ2hkaTZPYnBNQzhtZWR6bzZxTkpDbU5aME1NMTFnRzZvelRGMGU5YmJScVlFQ0cxLXNRb1QxeTBjVWUtRHcwdU5VanNrRHpmdU1jdFR6alYydXpIN0YxTjZBZ3lQc29wOHEzZUlJcFFMN1JCNlNWd2NzZVAwcG9rQVNNYUZl?oc=5) · The Business Journals
- 2026-06-26 [Notable Diverse Leaders in Banking and Finance 2022: James Huang - Crain's New York](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPYmlIRWhtaEx4TEVmdU9Wa1ZiVXFCaDdMWWJzV1hTaV9IVGJZak93MmJuSy00cVpyY2VJaWdyMU9oQ3FGQTVNVlBBRzJiT0NkRTM0S1prQTZzZ1lBM29oNWxTQ3pVMjQzSE9sVmIwQ0h3YjVjZ1hJZUdhXzM2RE5Cckp2SS12Z0FoT2pXQVZFcWZmMDN3VEQwa0pqUXQ3XzVESUVrclN2MTNEMjNEY2pfeGptTkp3eUVQRENMZHpjNGNSTHlzLUlJNWFoNFNEaTFyUDg5dGxDMWo2OGZUUFR1cDd2RUlaMHBxa05RUG5GZ2UwZw?oc=5) · Crain's New York
- 2025-07-11 [Owner Battles Banks Trying to Foreclose on Her 2 Chinatown Buildings - WestSideSpirit.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxNMXpncTAyTnNfOU1PNy1mWDhNZDVJMDJjcFFCSTF6cmZIVy1vZENnTUhPY0NwV1NmNHdLSlEzbW1JVUw0VzlJWkxvNnAwRUhoTF94dkxyQ2xMVHRIQ1RDY2ZoeWF0aVFHT0VkXzctYUlsZDVFSUdMMDJnbF9ySkp2VzQya2FDdDBMZVpTNkhncjVMNnNaTW9vYUZzNUxSUTZ1eVA2N0lIamVnRkJ4M1BPQmtrbHg?oc=5) · WestSideSpirit.com
- 2018-08-03 [The Walking Landscape – The Art of Tang Chenghua - whitehotmagazine.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNdWRwSzZkWjRQVXJtcDFRVWlVdTVGUE80b1dBa19UQlFjMDZGWnZPaHRvcUYtZ3N5QUtlVGhyUUxLaGhIYVhnMlR2Q05mM2RaeHFIQWRReV9VZGZOVGRib1dXVXFWMlQxX1dVUjJJUXZEcTczak1TTTByel9qTF9fajd5S0E?oc=5) · whitehotmagazine.com
- 2025-08-29 [Bank Bid to Foreclose on Two Chinatown Buildings Halted by Appeals Court–For Now - www.otdowntown.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxPNkd6aTJ3VjhMYm1EMXBIdG9BajczN0JBSHBhZFpzUjI1bmJnSDA1eFhsd28wSmhQLVhmOUJGSnR5ZUk4UzlJQWJuYTh4WFF5OWlaRWc5Q0FSUWIzcC1BYmxFMmkzLUdNY0RTQTZjYjdjV0UxNjJjNG0wNEhOOERwa2QyTjZDZzd2SDkzVGxGT2dBZlBjdVNpdXBCUEt3QUMzY2QyekRiVjlIdF9nSU9MSHhVbXNvWjdSQU1GaVNWQQ?oc=5) · www.otdowntown.com
- 2022-10-13 [Works of Artist Hao Feng on Exhibit at Commissioners’ Gallery in Elizabeth - County of Union, New Jersey](https://news.google.com/rss/articles/CBMiyAFBVV95cUxONmtyck9kOG9sTDE3N25qWlVsMW9vU05Ja2poOHEtUHhDOEpFcC16LU9pb3h4dlhmR2lTaVVBWjI5dTlwRUg2S0xUeHFrVHdKOUdkeDhKdGxTYVhkOG1ySEdQODRzVDBOM2NESGFlQTdsRmE1ejZPQ3VtVkp6QklYZ1Q5MjRfbHF0WkNLVlJCYnRpU2hNMWhQVEdhTmNNc3BGc1VaNi13LWF1ZEFseHYwaE53NXV3LWdwanVHZDZ2Z1JtbWx5ajdzaA?oc=5) · County of Union, New Jersey
- 2026-02-03 [Pick a Cloud for you (2022) by Jingyi Wang - For Sale - Artsy](https://news.google.com/rss/articles/CBMib0FVX3lxTE5uQUhtd3FKZVBYNzJVVkZfb2RXemhLWFZpR3dfMHdHZ0QtNldlNG9qNHBuM1lfOGdsWC1hZ0pOZm5OTDUwTXo2Z2wwNnRKXy1Ka1dqV19IbmdPNmoyVmtYN1Nfd0pSZXhlcm1acnF3dw?oc=5) · Artsy
- 2013-04-08 [Great Eastern Bank of Florida was acquired by Amerasia Bank. - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxQLWFjekNjREF4R2xIZDg4eEdKNFlUakJ4aHJKNVJJRWpUOXE1OEpZUzlhc0NzQzNndmJ0MUZ1Q1FFMG4xYW9uNk5JTkxmd19Jd0dVWlAtZkJNeW0yNnNMRkhsa0RrMFQ5b3c1VTNQRTlYVmR0RmVXS243TzNCUlhxUXNhTlFjWmdYUHJoUWFJazh3Z2swT3UxQUV5UUo?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27267 (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/3.json (key "27267", 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.

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