# EASTERN INTERNATIONAL BANK
LOS ANGELES, CA · FDIC certificate 32277 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $125.8M | |
| Deposits | $88.1M | |
| Loans and leases | $98.0M | |
| Total equity | $21.9M | |
| Loans / deposits | 109.66% (p97 of band) | 73.59% |
| Liquid assets / assets | 21.07% (p25 of band) | |
| Uninsured deposits / deposits | 21.47% (p56 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.92% (p87 of band) | |
| FHLB advances / assets | 11.92% | |
| Tier 1 leverage | 18.27% (p88 of band) | 11.76% |
| Unrealized securities loss / equity | -7.57% (p47 of band) | -6.57% |
| AOCI / equity | -0.01% (p70 of band) | |
| ROA (annualized) | 0.58% (p20 of band) | 1.17% |
| Net interest margin | 3.95% (p51 of band) | 3.93% |
| Efficiency ratio | 80.58% (p79 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.9% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **capital falling** (`cap_falling`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 2 | deposits shrinking, assets shrinking |  |
| 2013-09 | 0 |  | deposits shrinking, assets shrinking |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | deposits shrinking, assets shrinking |  |
| 2014-12 | 0 |  | deposits shrinking, assets shrinking |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | deposits shrinking, assets shrinking |  |
| 2016-09 | 1 |  | assets shrinking |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | deposits shrinking |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 3 | loans exceed deposits, deposits shrinking, assets shrinking |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 1 |  | deposits shrinking, assets shrinking |
| 2019-09 | 1 | capital falling | loans exceed deposits |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | expense ratio p90 |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 | assets shrinking | expense ratio p90 |
| 2021-12 | 0 |  | assets shrinking |
| 2022-03 | 1 | assets shrinking |  |
| 2022-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | uninsured deposits leaving |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | loans exceed deposits |  |
| 2024-03 | 2 |  | assets shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | deposits shrinking, loans exceed deposits |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 3 | capital falling, expense ratio p90, deposits shrinking |  |
| 2025-12 | 3 | loans exceed deposits | expense ratio p90 |
| 2026-03 | 3 | uninsured deposits leaving | deposits shrinking |
| 2026-06 | 3 |  |  |

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

- 2017-10-16 [North Korean Hacker Group Linked to Taiwan Bank Cyberheist - Bloomberg.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNU0tnNndrcHI2STYwMnRSVXkza29rTThHQWZtdUR4YWFSaVNPejFDaGwwQktudmVnakZIZVpjS2pwM1RJMVA4VFhVMmFubDRuZURYVTJQZFBDTnVMS3o2bnNISUo4OWstNkR6NXRDYnhiZGMweGVwLUNweENHeVNtZi1uNGQ1YS10WkN4b0llRWpHV3ZZZWJGRFMzNFVOSnEwaERtYVJGYUxHUmdiN0lVVUpR?oc=5) · Bloomberg.com
- 2021-08-27 [Chinatown Tenants Say Their Landlord Wants Them Out - LAist](https://news.google.com/rss/articles/CBMikgFBVV95cUxPSXQtdWhsczRXSDlBYy1kenZjRzJCOWZrMGtHTDl4b0t6M1d6cFREVHZFS0NodTN2aWluNmNFQUNXQnhteTdUUE1vN3huSFJValNWb3VGVjRsUE14Q3FSV2xrWERkVTVrWEx0X055TmZud1hJWmhvcm9RUGZON3FQNkV4N3cxZWtxUlNJdkFVbmtlUQ?oc=5) · LAist
- 2017-10-17 [North Korea blamed for cyberattack on Taiwanese bank - South China Morning Post](https://news.google.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?oc=5) · South China Morning Post
- 2017-10-09 [Report: Malware-Wielding Hackers Hit Taiwanese Bank - BankInfoSecurity](https://news.google.com/rss/articles/CBMilgFBVV95cUxOaDNwMkhLMlRoSWJ1U0ZqUlFXM2xabGtndm0zazdnSnlXUEdfcVdHcDhIOHVHZmt5dUJkSm5LMUs0andGZWZBSmFhYWVhTjZ5MjlRazhKVzNncGU5eWFHNGtPWG1sS0x3WlB0MEdkV29yS1NhaUk3NW50MlFrR21LY1N5ekw2MElCQ3VsNklodzU0Q0psMEE?oc=5) · BankInfoSecurity
- 2026-09-09 [Far Eastern International Bank Logs Income After Tax of NT$415 Million in August - marketscreener.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxONWpSTEdYT3o0STJsLW9lWC05emM2Z0JjVGpqYVZXc2R6Q0VYZXlzcU9IaWpuQmJRMUpGTE1kNXI3MElVbHRXbXFxeERDU1dVQ0Q5MFlHa3lMb1NxZEx1Q2ZJb0M0RnUyVlNRNFh4LWJGSGFfM3R4Q1M1YXV4U2FCYXlReE1vSjBsR1FHU2FpaF9pTjZlZnlaQ1FndjJFbVdLd2RMYU5UUXNSOUt4TzEzdEljUXZ6TkQzRUlOeEFQeS1UOUhmQ3p6TE95d1p1QQ?oc=5) · marketscreener.com
- 2021-02-17 [US Charges Three North Korean Spies for Attempted Cybertheft of $1.3B Worldwide - rfa.org](https://news.google.com/rss/articles/CBMickFVX3lxTE5iaWVHRF85a3VDUTZxVGVuaVo4SjE1UVMtd0hjSDFGb0s1ZmhUMmdsYVFjRDRZaHJ1ZVpZc3VscUdiN0VmN0hvX1ZkNTByTVF1aXlzX2xiTUwzODRTTXlEUWc3V1hzQTVBRTA5WWJKRU9oZw?oc=5) · rfa.org
- 2026-08-28 [Far Eastern International Bank Ltd. Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2026 - marketscreener.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQMUI2c2VsVUFYdW1KeVhrVjNDZFhIRW5VaGxZdlYyQ1hHRC0xMkd6eFpGVFNCR2Nsc3EzbER5Qi01cmljTHBDZlhMZmVYUWNYbjdIQzdNZUVyWmRXUzd2SkdGVWxuczF5UDR3dDgyUlR6cDR3TjNmVC0zUWs4c0lncUh2Q1hFMWtIbUdIZmJxck9KOUlhQUtDbHZyTUc2TXhGSUdrX2tLRGpNVFhsVGZVdkg1NE9MVFBmeXVYSTk3S0VDaVNIOWJjZUZ1dWc2Vl9iS2s1S1FwWHkwaTdfVUtKWVNISEhibXM?oc=5) · marketscreener.com
- 2023-05-16 [The new year gift from the bank - feg.com.tw](https://news.google.com/rss/articles/CBMiZkFVX3lxTE12QXJ4S2lLVVRjdVFBZDBvSXZuQlNkMVFBWUc0WDFqVzEybzVCYkE2QkQ1YjFOUVNEN21OeEd2TzJES0ZEVFFHOTluUDhwQWpuZEJhWjZJNHdDN0ZQTlVmWmNpbzRmQQ?oc=5) · feg.com.tw

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32277 (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/21.json (key "32277", 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