East West Bank
Headquarters
135 N Los Robles Ave
Pasadena, CA 91101
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Phone 626 768 6000
2024 Overview
General Bank Information
East West Bank is an FDIC insured institution located in Pasadena, CA. It was founded in 1972 and has approximately $69.48 billion in assets. Customers can open an account at one of its 126 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 31628 |
| Date Established | 1972 |
| Assets | $ 69.48 billion |
| Loans | $ 51.54 billion |
| Deposits | $ 56.59 billion |
| Capital | $ 6.54 billion |
For a more detailed analysis of East West Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| EWB Value Checking | 0.00% | $1,500 | $5.00 | Learn More |
| EWB Premier Checking | 0.00% | $2,500 | $10.00 | Learn More |
Loan Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for East West Bank
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Monthly Payment |
Learn More |
|---|---|---|---|---|
NMLS ID: 2059741 |
6.994% |
6.875% 0.63 points $3,901 fees |
$2,103 | Learn More |
NMLS ID: 3030 |
7.451% |
7.375% 0.75 points $2,400 fees |
$2,211 | Learn More |
NMLS ID: Not a Lender |
points fees |
Learn More | ||
NMLS ID: 491986 |
points fees |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to East West Bank
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Branches
East West Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
East West Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
East West Bank Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of East West Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| East West Bank | U.S. Bank Average |
|---|---|
| 1.58% | 3.96% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of December 31, 2024, East West Bank had $102,873,000 in non-current loans and $11,141,000 in owned real estate. To cover these potential losses it had $6,542,852,000 in equity and $668,743,000 in loans loss reserves. That gives it a Texas Ratio of 1.58%.
Return on Equity
| East West Bank | U.S. Bank Average |
|---|---|
| 18.75% | 12.20% |
East West Bank has a Return on Equity of 18.75% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| East West Bank | U.S. Bank Average |
|---|---|
| 9.42% | 10.76% |
East West Bank has a Capitalization of 9.42% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
East West Bank Balance Sheet Analysis
As of December 31, 2023, East West Bank had assets of $69,478,848,000, loans of $51,542,155,000, and deposits of $56,593,486,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
December 31, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 4.62 billion |
| Interest-bearing balances | $ 4.19 billion |
| Total securities | $ 9.17 billion |
| Federal funds sold and reverse repurchase | $ 785.00 million |
| Net loans and leases | $ 51.54 billion |
| Loan loss allowance | $ 668.74 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 11.14 million |
| Goodwill and other intangibles | $ 472.15 million |
| All other assets | $ 2.39 billion |
| Total Assets | $ 62.94 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 56.59 billion |
| Interest-bearing deposits | $ 40.55 billion |
| Deposits held in domestic offices | $ 53.42 billion |
| % insured (estimated) | 45.69% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 179.64 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 1,419.65 million |
| Total Liabilities | $ 62.94 billion |
| Shareholders’ Equity | $ 6.54 billion |
Summary Income Statement
December 31, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 3.70 billion |
| Total Interest Expense | $ 1,370.66 million |
| Net interest income | $ 2.32 billion |
| Provision for loan and lease losses | $ 125.00 million |
| Total non interest income | $ 299.39 million |
| Total non interest expense | $ 1,012.98 million |
| Pre-tax Net Operating Income | $ 647.22 million |
Bank Loan Profile?
The top three loan types in East West Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.
Compared to other banks, East West Bank’s loan portfolio does not show any specific loan specialty.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 25.50 | ✓ | ||
| Multifamily Mortgages |
7.79 | ✓ | ||
| Credit Card Loans | 0.01 | ✓ | ||
| Consumer Auto Loans | 0.00 | ✓ | ||
| Small Business Loans | 1.27 | ✓ | ||
| Construction and Development Loans | 0.96 | ✓ | ||
| Commercial Real Estate | 27.32 | ✓ | ||
| Commercial and Industrial Loans | 20.27 | ✓ | ||
| Farm Loans | 0.04 | ✓ | ||
Customer Reviews for East West Bank
Bauhinia C
March 15, 2023 |
Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha.
Is this review helpful? Yes:1 / No: 0
Natasha
August 30, 2020 |
Borrowers beware. I recently applied for a no cash out refi owner occ with a LTV of 15% and 800 fico.
First they send docs for their portfolio program which was not the product I requested. I wanted a fnma 30 year fixed. I am self employed with rentals. My income was MORE than sufficient to support the payment . I would be lowering my payment form $1600 to $700 monthly. I provide more than enough information to qualify. I was actually prequalified by their rep. The underwriting is terrible they do NOT know Fannie Mae guidelines. The do NOT ask questions if they don't understand something in your file. They are They are DISCRIMINATORY towards MON-Asian clients. They sent me a denial letter based off an assumption without bothering to ask for for a letter of explanation . Had they asked they would have seen the underwriter was totally incorrect. You do NOT make decisions on a borrowers loan based income off what you think you ask questions. When I offered to correct the underwriter I was told my rate expired and I would need to reapply at the higher rate or apply for their portfolio loan. AWW their portfolio loan with the higher rate. That's what they were pushing me towards from the beginning.Why would I do that with more than sufficient income and excellent credit and a $160,000 loan on a $625,000 home. I think not. Run from this company I strongly suggest you apply to a lender with experienced fnma underwriters. I also have bank accounts with them that I will be closing Monday.
Is this review helpful? Yes:0 / No: 2
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