# ASIAN BANK
PHILADELPHIA, PA · FDIC certificate 34759 · asset band $300M-1B · 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 | $685.9M | |
| Deposits | $456.8M | |
| Loans and leases | $535.6M | |
| Total equity | $127.0M | |
| Loans / deposits | 115.97% (p98 of band) | 82.04% |
| Liquid assets / assets | 19.79% (p31 of band) | |
| Uninsured deposits / deposits | 37.33% (p83 of band) | 25.97% |
| Brokered deposits | 4.95% | |
| Wholesale funding | 17.33% (p91 of band) | |
| FHLB advances / assets | 12.38% | |
| Tier 1 leverage | 19.15% (p97 of band) | 10.81% |
| Unrealized securities loss / equity | -2.19% (p78 of band) | -8.10% |
| AOCI / equity | -0.21% (p58 of band) | |
| ROA (annualized) | 1.34% (p54 of band) | 1.28% |
| Net interest margin | 3.54% (p30 of band) | 3.91% |
| Efficiency ratio | 47.43% (p13 of band) | |
| Noncurrent loans | 1.22% (p77 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p73 of band) | |
| Reserve coverage of noncurrent | 88.86% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 5.32% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.7% | |
| Employees | 48 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 3 | expense ratio p90 |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 | capital falling | losing money, expense ratio p90 |
| 2012-06 | 3 | uninsured deposits leaving |  |
| 2012-09 | 2 |  | uninsured deposits leaving |
| 2012-12 | 3 | expense ratio p90 |  |
| 2013-03 | 2 |  | expense ratio p90 |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 | charge-offs p90 | capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | charge-offs p90 |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | reserve under noncurrent |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 1 | wholesale funding >15% |  |
| 2016-06 | 1 | capital falling | wholesale funding >15% |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | loans exceed deposits |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | wholesale funding >15%, capital falling |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 1 |  | wholesale funding >15% |
| 2018-09 | 2 | wholesale funding >15% |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2020-03 | 3 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | loans exceed deposits |
| 2020-12 | 1 | uninsured deposits leaving | wholesale funding >15%, capital falling |
| 2021-03 | 1 | loans exceed deposits | uninsured deposits leaving |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | loans exceed deposits |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | loans exceed deposits |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 | capital falling | loans exceed deposits |
| 2023-03 | 2 | loans exceed deposits |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | wholesale funding >15%, capital falling |  |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 1 |  | wholesale funding >15% |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 1 |  | loans exceed deposits |
| 2025-06 | 2 | loans exceed deposits |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 | wholesale funding >15% | capital falling |
| 2026-06 | 3 | reserve under noncurrent |  |

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

- 2017-01-06 [Bank Appoints Advisory Council Members - philadelphiafed.org](https://news.google.com/rss/articles/CBMihgFBVV95cUxQRnlucVRBTWRJWXZETnpadkp2RnRKOHNaRS1BUVpqc2llSWg5SFNBcE4tOERBSF82Qng0RXFiV18xT0dnbFl5R2N1TTFUcGNYU2lNdlpwNlZNa0U3c2U5ZlRvaGdUSEtpM0haemRpQnY5TFpLTUkxUGZha3VsZjNyUGdHZ2xVUQ?oc=5) · philadelphiafed.org
- 2023-05-15 [The Power of Diversity: AAPI 100 - City & State Pennsylvania](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNRkhxbGFaLTZ6eE1IR293d05IMmhqUTVvcWFudHoxYlg5b3BJYlg0R2tURl8zM28zMGt3c3hhMlI3Tk1sV3F2NGhodnZhSVRRVVIzdVNjN3ZJYkJpY0pRSFphNU9vREl3X3ZVQXY2VDdtcFhtWERncnViZWt6N3ZSYW9la2FOWmY5aDhr?oc=5) · City & State Pennsylvania
- 2020-11-03 [Asian Financial Corporation Announces Pricing and Closing of $10,000,000 of Subordinated Notes in a Private Placement - PR Newswire](https://news.google.com/rss/articles/CBMiggJBVV95cUxNQVJQeUV1N1VMUHJmQ1JzMmZoeHpPZnFRdDF4NU1KVFRaczBYYVVDVnhBSWNZOTdqa1V0bmdJcWRiQ2syRVE5dWQxemJQZFdfN2VaOUJKcGg0cWRPZlpWSlVtR1htd2VIWW44NGh4ZGhOUnJzTTNIZHFvT3hBMnhPS21OQlhYdkhnNHUyVncxNjFhcnJ3NTJ1WGN4anlWaVc3VlN6OUNreFRhM3VweEdIcS1WWG9oaDl4alg2eml1LUY5WjEtNU1mUVp2ME1KQV9wdDRPaExZNnBHd1NUcUpkNWFBc1JEbnNtbDVQT21LdWQxRXk2VWZYYTkycHNwMzBRMkE?oc=5) · PR Newswire
- 2023-03-13 [How Pennsylvania banks compare to Silicon Valley Bank - CBS News](https://news.google.com/rss/articles/CBMimgFBVV95cUxOTG5yd1FiWndKMkVmaGpJc1luM2Y3a3I1THhLR1lHak5aLUxpSkVKNGdWWkVNdE1WVnQ5THZWWElEWWtrMTJvWnRXdXo3ZVR5SllzTGp0ZzJVRzFLcEpYbFhQcGJlakYtY1FmWE5tczJmRW9PRUhSS09zaWdNVTJucFBZeDdiU21fRDYzV3ZNUTVjdXRUTlRObG130gGfAUFVX3lxTE5tVDF0YVgtQmJJSG5qWHAtNk9MR191VnpSRHNuYlgydWw4MmtVNlNRTTE1VmJEc2h5aFRCUWRGTGNUUHl4R2lkU3hZdjYwT0NWLVJidlhxdF9jeWZxS2k4VnBzMU5LNDJZVDZTY1hIMmpLdnZSdDBBb3B0R2xCSVRCMERLQTR4cDc4WXdqRkNGWW10eGZXbEhtVkFkWXNZbw?oc=5) · CBS News
- 2025-04-29 [James Wang’s Asian Bank is growing with Philly’s neighborhood businesses - Inquirer.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQRGxsN3dLTkVYVkt3MWsxTXBhS19kN1lxaFUwZWhkS21pdnJadEZWRW5jNUNXZTNaYlQzeDhOMnIwTkxJX0VaNlJ4ejY3djRObVk4YURDU1I1VlNXZnc2ZWd4cWdoTmd4cEJZOWx6N1lZVkpza2FyYWlEQXpVd2wybHloc2IyY0FrMl9nTHZrSDM5d3do?oc=5) · Inquirer.com
- 2022-05-11 [Community Banks Helping Customers Get Back on Track - philadelphiafed.org](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQVzVMZS1DYm9lN3ZOaEwzWUszVW5NbTZYZjlYTlV2MHQ0dTljb2pmZ3FhQmROY2ZjeWtQdHRwbGlwZGxMaTNNSUN3eHU3Q0ZJQkgwOUhVdnFJMlFBOGtVeGRqSmV2SzFpNkloMGxXQnRiTFJVNGJKdFVad3R1bFJONEpUSjd0SEN3NmNabmVIRjlnR3RpQmdYX082YTExZ2E5Yk9wLUx2cC0tUXZkbWpIbzRiQWhrRlFPODk3ZlpHWTR1X2c?oc=5) · philadelphiafed.org
- 2017-02-14 [Strengthening the Asian Development Bank in 21st century Asia - lowyinstitute.org](https://news.google.com/rss/articles/CBMioAFBVV95cUxQMHNmdGp3dm1vdDJMSWRfZ2ZORTdaOUJBY0xKbnVzeUgxVjFhOHBsMDRwdWF2MEpRT0I0MW02ellldUFVV3doTDVhd25FUVAwcTlEal82VndLX0F1OUZpUVFCbGpYbWRkRzJRbkR4LTVLcFVXN3JmRUU0WFBaV2luZVN1S1c4U3ZldVYxZlVnaTdXN2cyWEMxNUZSbjhkOVhL?oc=5) · lowyinstitute.org
- 2026-05-19 [Asian Banks Hide Behind a Coal Funding Smokescreen - The Diplomat – Asia-Pacific Current Affairs Magazine](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPNHhkVllpMEd2NU9XU0tIRDEtMjZ2UGR2Sk9jc2NldjZHaS03eVN3S2pJb21jN3dVcThBczNIbWdvR1ItS1ltNDhMOGZWTzNHa2xrRXRpYjFob1Q5ZGl4WGgyYXk2dGUxNzJXSDRPcjVhUFdTcXRyVE1RR29EWldhNGFZWEIzYzBrWGZn?oc=5) · The Diplomat – Asia-Pacific Current Affairs Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34759 (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/7.json (key "34759", 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