East West Bancorp, Inc. Earnings Recaps
Q2 2026
Jul 23, 2026
Shares dipped 1.7% following the release as investors digested stable but cautious credit trends and modest net charge-off acceleration despite solid loan and deposit growth.
Key takeaways
- Total loans grew 7% year-over-year, supported by $300 million net growth in both residential mortgage and C&I loans.
- Deposits increased by $1.2 billion, with demand deposits contributing $875 million of net growth, improving deposit mix and reducing funding costs.
- Net interest income reached a record $685 million, with a net interest margin of 3.43%, up 8 basis points year-over-year.
- Fee income rose 19% year-over-year to $96 million, despite a slight sequential decline from Q1’s wealth management peak.
- Asset quality showed a slight deterioration: net charge-offs more than doubled sequentially to 19 basis points, though still within guidance; non-performing assets ticked up 3 basis points to 29 basis points.
Q1 2026
Apr 22, 2026
East West Bancorp delivered a strong Q1 2026, achieving record levels in loans, deposits, and fee income, supported by disciplined growth and stable credit quality.
Key takeaways
- Total deposits increased by 9% YoY, with a notable $800 million rise in noninterest-bearing deposits driven by retail and small business solutions.
- Loan growthstood at 7% YoY, with C&I loans up over $900 million quarter-over-quarter, mainly from capital call borrowings amid active M&A and real estate activity.
- Fee income reached a record $99 million, up 12% YoY, fueled by wealth management and deposit-related fees, with a focus on diversification.
- Net interest income rose to $671 million, benefiting from balance sheet expansion and deposit cost reductions, with deposit costs down 111 basis points since rate cut cycle start.
- Capital position remains robust with a tangible ratio of 10.3%, supporting share repurchases and dividend increases amid stable credit performance.
Q3 2025
Oct 22, 2025
East West Bancorp achieved record quarterly revenue, net income, and earnings per share in Q3 2025, bolstered by strong deposit growth and robust fee income across all business lines.
Key takeaways
- Deposits increased by over $1.5 billion, with a notable rise in noninterest-bearing accounts, enhancing liquidity.
- Net interest income reached an all-time high of $645 million, supported by a strategic reduction in deposit pricing.
- Fee income rose by 13% year-over-year to $92 million, driven by a 36% increase in wealth management fees.
- Asset quality remains strong, with net charge-offs of only 13 basis points and nonperforming assets at 25 basis points.
- Robust capital position, with a tangible common equity ratio of 10%, supports continued growth and shareholder returns through share repurchases and dividends.