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Eastern National Bank

Miami, FL · Cert 20026 · Corpofin CA

National charter · OCC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

43

Q2 2024Q2 2026peer median (50)

Asset Quality

88

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

1

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Eastern National Bank

Miami, FL · Cert 20026 · Corpofin CA

National charter · OCC · 4 branches

Q2 2026

$65.2MAssets
$45.4MLoans
$57.6MDeposits
$5.6MEquity
Loan mix
99%RE $49.1M1%C&I $0.6M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $40.6M30%Noninterest $17.0MQ2 2025Q2 2026

NIM

5.54%Q2 ’246.32%Q2 ’255.08%Q2 ’26+55%-6%

Non-interest income vs. expense

6.39%Q2 ’247.83%Q2 ’2513.05%Q2 ’26+17%+77%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.0% share · #71 of 86 inst. · $0.1B of $348.8B

Executive Summary

  • Earnings: ROA of -6.56%, down 429 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.08% of loans (+8 bps YoY), with net recoveries of 0.22%.
  • Capital: tier 1 leverage ratio of 8.01%, down 141 bps from a year ago.
  • Funding: loans stand at 78.82% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-6.56%-429 bps YoY

Net Interest Margin (YTD, annualized)

4.28%-30 bps YoY

Efficiency Ratio (YTD, annualized)

270%+12,376 bps YoY

Tier 1 Leverage Ratio

8.01%-141 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.27%-2.30%-2.98%-7.14%-6.56%-429 bps
Return on Equity-25.21%-25.08%-32.36%-76.92%-72.24%-4,703 bps
Net Interest Margin4.57%4.57%4.74%3.99%4.28%-30 bps
Efficiency Ratio146.34%154.98%173.34%278%270%+12,376 bps
Non-Interest Burden7.05%7.52%8.77%11.95%12.49%+544 bps
Growth
Asset Growth (YoY)-36.32%-35.51%-35.33%-34.87%-35.17%+115 bps
Loan Growth (YoY)-38.94%-41.02%-40.94%-32.65%-28.11%+1,084 bps
Deposit Growth (YoY)-37.19%-36.55%-35.74%-34.72%-34.06%+314 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.07%0.07%0.08%0.08%+8 bps
Net Charge-Offs / Loans-0.49%-0.62%-0.51%-0.07%-0.22%+27 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.43%9.45%9.01%8.49%8.01%-141 bps
Total Risk-Based Capital18.23%18.38%16.71%15.94%15.17%-305 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits72.29%71.50%75.05%77.32%78.82%+652 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Eastern National Bank

Miami, FL · Cert 20026 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Corpofin CA

National charter · OCC · 4 branches

Q2 2026

$65.2MAssets
$45.4MLoans
$57.6MDeposits
$5.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: return on equity trails 100% of banks under $1B in assets operating in a single state (rank 745 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-7.50%

Rank 744 of 746

Net Interest Margin

4.28%

Rank 152 of 746

Efficiency Ratio

270%

Rank 743 of 746

Equity / Assets

8.61%

Rank 589 of 746

Non-interest income vs. expense

$0.4M$9.2MINCOMEEXPENSE
Unfavorable gap of $8.8M · efficiency ratio beats 1% of banks under $1B in assets operating in a single state
Bank 270%Peer median 64.6%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-7.50%0.72%1.06%1.45%Beats 0%744 / 746
Return on Equity-87.13%6.74%10.51%13.63%Beats 0%745 / 746
Net Interest Margin4.28%3.17%3.68%4.16%Beats 80%152 / 746
Efficiency Ratio270%55.74%64.58%75.47%Beats 1%743 / 746
Asset Quality
Nonperforming Loans / Loans0.08%0.09%0.42%1.07%Beats 75%185 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio13.92%11.55%13.75%17.60%Beats 51%362 / 746
Total Risk-Based Capital Ratio15.17%11.71%14.33%18.43%Beats 57%320 / 746
Equity / Assets8.61%8.90%10.51%13.06%Beats 21%589 / 746
Liquidity & Funding
Loans / Deposits78.82%61.31%78.27%90.78%51st pctl363 / 746
Loans / Assets69.69%53.60%66.97%76.08%57th pctl323 / 746
Brokered Deposits / Depositsn/aNot reported for this institution