East West Bank
Pasadena, California · FDIC Cert #31628
East West Bank is an FDIC-insured bank (Certificate #31628) with $72.3B in total assets and $60.4B in total deposits as of the Q2 2024 Call Report. Headquartered in Pasadena, California, the bank maintains a Tier 1 capital ratio of 13.06% (Well-Capitalized) and a nonperforming loan ratio of 0.31%. BankHealthData assigns a composite Health Grade of A (85/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
East West Bank (FDIC cert 31628) is a large bank with $72.3B in total assets and $60.4B in deposits, headquartered in Pasadena, California. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is strong: Tier 1 capital ratio of 13.06% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.31% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 22.5% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 2.10% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. East West Bank carries a composite BankHealth grade of A (85/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: East West Bank
- Total Assets
- $72.3B
- Total Deposits
- $60.4B
- Tier 1 Capital Ratio
- 13.06%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.31%
- Liquidity Ratio
- 22.49%
- Return on Assets
- 2.10%
- Headquarters
- Pasadena, California
- FDIC Certificate
- #31628
- Health Grade
- A (85/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, East West Bank holds a Tier 1 capital ratio of 13.06%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning East West Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
East West Bank shows strong financial health indicators. With $72.3B in assets and a Health Score of 85/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How East West Bank Compares
East West Bank’s Health Score of 85 is 13 points above the California state average of 72 across 123 FDIC-insured banks. Its 13.06% Tier 1 capital ratio is 0.9 points below the US banking industry average near 14%. The 0.31% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.10% is in line with or above the national ROA benchmark of ~1.1%. Among 33 similarly-sized banks, the average Health Score is 76, meaning this bank ranks above its size cohort. Site-wide, East West Bank is 15 points above the portfolio average of 70.
Frequently Asked Questions
East West Bank has a Bank Health Score of A (85/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 13.06%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. East West Bank's Tier 1 capital ratio of 13.06% and nonperforming loan ratio of 0.31% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at East West Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #31628). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
East West Bank holds $72.3B in total assets and $60.4B in total deposits. It is headquartered in Pasadena, California (FDIC Certificate #31628).
East West Bank has a Tier 1 capital ratio of 13.06%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.31%, and the return on assets is 2.10%.
Yes. East West Bank is FDIC-insured (Certificate #31628). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
East West Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.