EASTERN NATIONAL BANK

MIAMI, FL | Micro | Est. Sept. 3, 1969, midnight | FDIC #20026 | RSSD #171133 | OCC
Latest Report: 2025-12-31

EASTERN NATIONAL BANK is amn micro FDIC-insured commercial bank headquartered in MIAMI, FL, established in Sept. 3, 1969, midnight. As of 2025-12-31, the bank reported total assets of $85M and total deposits of $74M. Profitability stands at -5.48% ROA and -56.95% ROE, with a net interest margin of 4.18%. The bank's CET1 capital ratio is 15.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.07% and a Texas Ratio of 0.42%. FDIC Certificate #20026.

Assets

$85M

Deposits

$74M

Loans

$56M

Equity

$8M

Profitability

Return on Assets (ROA) -5.48%
Return on Equity (ROE) -56.95%
Net Interest Margin (NIM) 4.18%
Yield on Assets 5.39%
Cost of Funds 1.84%

Asset Quality

NPL Ratio 0.07%
Net Charge-Off Ratio -0.51%
Texas Ratio 0.42%
NPA Ratio 0.05%
ACL / Loans 2.14%

Capital & Liquidity

CET1 Ratio 15.45%
Tier 1 Capital 15.45%
Total Capital Ratio 16.71%
Leverage Ratio 9.01%
Loan-to-Deposit 75.05%

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