This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Elizabethtown, NY
Health score
76.7
Total assets
$497.1M
Bank
New York, NY
Health score
55.4
Total assets
$449.6M
Answer first
Champlain National Bank leads on financial health and profitability; The Bank of East Asia Ltd. leads on lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Champlain National Bank
Higher TFS health score
Profitability
Champlain National Bank
Higher return on assets
Lending quality
The Bank of East Asia Ltd.
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Champlain National Bank | The Bank of East Asia Ltd. |
|---|---|---|
| TFS health score | 76.7/100Leads | 55.4/100 |
| Total assets | $497.1M | $449.6M |
| Total deposits / shares | $443.9M | $19.7M |
| Tier 1 capital ratio | 10.87% | — |
| Return on assets | 0.90%Leads | 0.00% |
| Return on equity | 11.87% | — |
Champlain National Bank
10 branches
The Bank of East Asia Ltd.
0 branches
No shared branch states were found in the current TFS branch dataset.
Champlain National Bank
Unavailable
The Bank of East Asia Ltd.
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Champlain National Bank
0 in TFS registry
The Bank of East Asia Ltd.
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Champlain National Bank score | Champlain National Bank ROA | The Bank of East Asia Ltd. score | The Bank of East Asia Ltd. ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.56% | — | — |
| 2024-Q4 | — | 0.53% | — | — |
| 2025-Q1 | — | 0.64% | — | — |
| 2025-Q2 | — | 0.70% | — | — |
| 2025-Q3 | — | 0.77% | — | — |
| 2025-Q4 | — | 0.82% | — | — |
| 2026-Q1 | 74.6/100 | 0.81% |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans |
| 0.25% |
| 0.00%Leads |
| Net charge-offs | 0.01% | 0.00%Leads |
| Efficiency ratio | 71.64% | 0.00%Leads |
| Loan-to-deposit ratio | 72.73% | 2008.94% |
| Asset growth (YoY) | 1.58% | — |
| Deposit / share growth (YoY) | 4.61% | — |
| Branches | 10 | 0 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 33.2/100 |
| 0.00% |
| 2026-Q2 | 76.7/100 | 0.90% | 55.4/100 | 0.00% |