Eastern National Bank
Miami, FL · Cert 20026 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · 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 751).
- Widest gap: return on equity trails 100% of banks under $1B in assets operating in a single state (rank 754 of 755).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
-7.50%
Rank 753 of 755
Net Interest Margin
4.28%
Rank 157 of 755
Efficiency Ratio
270%
Rank 752 of 755
Equity / Assets
8.61%
Rank 598 of 755
Non-interest income vs. expense
Unfavorable gap of $8.8M · efficiency ratio beats 1% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -7.50% | 0.72% | 1.06% | 1.45% | Beats 0% | 753 / 755 | | |
| Return on Equity | -87.13% | 6.66% | 10.44% | 13.61% | Beats 0% | 754 / 755 | | |
| Net Interest Margin | 4.28% | 3.15% | 3.68% | 4.17% | Beats 79% | 157 / 755 | | |
| Efficiency Ratio | 270% | 55.75% | 64.78% | 75.61% | Beats 1% | 752 / 755 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.09% | 0.42% | 1.05% | Beats 75% | 187 / 751 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 751 | | |
| Capital |
| Tier 1 Capital Ratio | 13.92% | 11.56% | 13.81% | 17.74% | Beats 51% | 370 / 755 | | |
| Total Risk-Based Capital Ratio | 15.17% | 11.72% | 14.46% | 18.53% | Beats 56% | 329 / 755 | | |
| Equity / Assets | 8.61% | 8.93% | 10.56% | 13.13% | Beats 21% | 598 / 755 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.82% | 62.43% | 78.62% | 91.00% | 50th pctl | 374 / 755 | | |
| Loans / Assets | 69.69% | 54.70% | 67.27% | 76.55% | 56th pctl | 331 / 755 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |