$73.5M
−34.9%y/y
Percentile by value65th percentileby value
FDIC
ASSETEB
Eastern National Bank
Miami, FloridaFDIC Cert #20026
OCCEstablished 19694 branches
Holding company: CORPOFIN CARegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportEastern National Bank reported $73.5M in total assets. Deposits declined 34.72% over the prior year.
Return on assets was −7.14%, compared with an asset-peer median of 0.97%. The leverage ratio was 8.49%.
- Why is CRE Concentration to Capital above asset peers?
- Why is Net Loan Growth, Year over Year below asset peers?
- Why is Deposit Growth, Year over Year below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$64.8M
−34.7%y/y
Percentile by value68th percentileby value
FDIC
DEP$49M
−32.6%y/y
Percentile by value77th percentileby value
FDIC
LNLSNET−7.14%
−337 bpsy/y
Peer standing2nd percentile
FDIC
NETINC + ROA277.82%
+9,567 bpsy/y
Peer standing2nd percentile
FDIC
NONIX + NIM + NONII + EEFFR8.49%
+13 bpsy/y
Peer standing7th percentile
FDIC
RBC1AAJPercentiles compare this bank with 590 banks under $100 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $320M | $295M |
| Q3 2021 | $283M | $258M |
| Q4 2021 | $264M | $240M |
| Q1 2022 | $264M | $236M |
| Q2 2022 | $251M | $225M |
| Q3 2022 | $238M | $212M |
| Q4 2022 | $227M | $201M |
| Q1 2023 | $219M | $194M |
| Q2 2023 | $216M | $193M |
| Q3 2023 | $200M | $177M |
| Q4 2023 | $184M | $162M |
| Q1 2024 | $179M | $158M |
| Q2 2024 | $158M | $139M |
| Q3 2024 | $148M | $130M |
| Q4 2024 | $131M | $116M |
| Q1 2025 | $113M | $99.2M |
| Q2 2025 | $101M | $87.4M |
| Q3 2025 | $95.2M | $82.7M |
| Q4 2025 | $84.8M | $74.3M |
| Q1 2026 | $73.5M | $64.8M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $7.25M |
| Investor CRE | $15.1M |
| Multifamily | $3.99M |
| Construction | $217K |
| 1–4 family | $22.6M |
| C&I | $584K |
| Agriculture | $0 |
| Other | $410K |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−7.14%2nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.66%Median 0.97%90th 2.53%Observations 590
ROE
FDIC
NETINC + ROE−76.92%1st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −4.01%Median 7.76%90th 17.70%Observations 590
NIM
FDIC
NIM + NIMY4.37%73rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.60%Median 3.78%90th 5.00%Observations 591
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR277.82%2nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.30%Median 71.56%90th 113.91%Observations 590
Deposits YoY
FDIC
DEP−34.72%0th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.03%Median +2.56%90th +13.29%Observations 547
Loans YoY
FDIC
LNLSNET−32.61%0th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −8.25%Median +2.70%90th +19.03%Observations 527
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.08%65th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 3.46%Observations 530
Leverage
FDIC
RBC1AAJ8.49%7th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 13.02%90th 57.11%Observations 591
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.47%77th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.09%Median 2.13%90th 3.32%Observations 546
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC266%99th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 25%90th 129%Observations 281
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−7.14%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.03%Median 1.07%90th 1.75%Observations 83
ROE
FDIC
NETINC + ROE−76.92%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.33%Median 10.96%90th 21.32%Observations 83
NIM
FDIC
NIM + NIMY4.37%83rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.60%90th 4.66%Observations 83
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR277.82%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.71%Median 64.78%90th 90.81%Observations 83
Deposits YoY
FDIC
DEP−34.72%1st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.83%Median +6.78%90th +30.32%Observations 81
Loans YoY
FDIC
LNLSNET−32.61%0th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −6.35%Median +8.10%90th +42.25%Observations 78
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.08%67th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.20%90th 1.78%Observations 79
Leverage
FDIC
RBC1AAJ8.49%10th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.50%Median 10.17%90th 18.01%Observations 83
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.47%95th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.61%Median 2.78%90th 3.78%Observations 80
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC266%78th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 29%Median 170%90th 329%Observations 61
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−7.14%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −4.16%Median 0.57%90th 20.68%Observations 7
ROE
FDIC
NETINC + ROE−76.92%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −35.25%Median 5.12%90th 26.95%Observations 7
NIM
FDIC
NIM + NIMY4.37%67th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.23%Median 3.91%90th 5.04%Observations 7
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR277.82%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 72.08%Median 88.76%90th 209.55%Observations 7
Deposits YoY
FDIC
DEP−34.72%25th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −73.89%Median 0.00%90th +106.72%Observations 5
Leverage
FDIC
RBC1AAJ8.49%0th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 10.83%Median 70.62%90th 84.71%Observations 7
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC266%100th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 0%90th 188%Observations 5
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 4 branches
- Headquarters
- Miami, FL
FDIC
OFFDOMOpen the Florida dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data