Eastern National Bank
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Data as of · sourced from FFIEC call reports. How we update
Eastern National Bank is an FDIC-insured commercial bank headquartered in Miami, FL, established in 1969 (FDIC certificate 20026), and it is supervised by the OCC. At Q2 2026 it reported total assets of $65.2M, down 35.2% from Q2 2025, the 77th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 13.92% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 20026
- Headquarters
- Miami, FL
- Established
- 1969
- Total assets, Q2 2026
- $65.2M
- Assets vs Q2 2025
- -35.2%
- CET1 ratio, Q2 2026
- 13.92%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 067002533
- Latest call report
- Q2 2026, FFIEC 031 · Eastern National Bank call report
- Holding company
- MERCORP, N.V.
- Asset rank in state
- 77th of 81 in Florida
Eastern National Bank, based in Miami, Florida, reported $65 million in assets at June 30, 2026, down 35.2% from a year earlier. It pays an average of 0.72% on its deposits and borrowings, about half the median of 1.53% for the 583 banks with less than $100 million in assets. On the other hand, it funds 8.01% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 13.06%).
It lost $1.0 million in the quarter. Its $14 million non-owner-occupied commercial real estate book is now fully current, after 3.52% of it was past due or on nonaccrual a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.7 times its capital, 10.4 times the median of 26% for banks its size.
As of June 30, 2026, Eastern National Bank reported a CET1 capital ratio of 13.92%, a return on assets of -5.87%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.59%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Eastern National Bank is the 77th largest of the 81 banks headquartered in Florida. Between Q1 2026 and Q2 2026, its total assets fell 11.4% to $65.2M, loans fell 9.4% and deposits fell 11.1%. 1-4 family residential loans made up 44.2% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 29.9%. The FDIC Summary of Deposits lists 4 offices for it, in Miami, FL and Hialeah, FL; its Miami 3 offices book 80% of its branch deposits. On its Q2 2026 call report, Eastern National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 9700 S Dixie Hwy, Miami, FL 33156
- County
- Miami-Dade
- Metro Area
- Miami-Fort Lauderdale-West Palm Beach, FL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- September 3, 1969
- Former names
- Peoples Hialeah National Bank (1970-1983)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 40
- Domestic deposits
- $57.6M
- Allowance for credit losses
- $802K
- Net charge-offs (YTD)
- -$50K
- Average total assets
- $70.3M
- Average total loans
- $47.7M
- Average interest-bearing deposits
- $43.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 3, 1969
- FDIC Cert
- 20026
- Fed RSSD
- 171133
- Website
- www.enbfl.com →
- Parent Holding Company
- MERCORP, N.V. (RSSD 1023079)
- Ultimate Parent
- CORPOFIN, C.A. (RSSD 1084922)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Eastern National Bank's total assets ran between $65.2M (Q2 2026) and $200.0M (Q3 2023), and it posted no profit in any of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$65.2M total assets against $100.5M; $59.5M total liabilities against $90.6M.
$44.6M net loans and leases against $61.6M; $57.6M total deposits against $87.4M.
$580K securities against $826K; $17.6M cash and balances due against $34.3M.
$830K total interest income against $1.5M; $110K total interest expense against $382K.
$720K net interest income against $1.1M.
$100K total noninterest income against $302K; $2.1M total noninterest expense against $1.6M.
-$295K provision for credit losses against $0.
-$1.0M net income against -$153K.
-5.87% return on assets against -0.58%; 4.48% net interest margin against 4.48%.
13.92% CET1 capital ratio against 16.96%; 8.01% tier 1 leverage ratio against 9.43%.
Inside the full Eastern National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Eastern National Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -7.19% (Q1 2026) to -0.58% (Q2 2025) and its net interest margin ran from 3.12% (Q3 2024) to 4.55% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.92% | -5.87% | 0.08% | 0.59% | 4.48% |
| Q1 2026 | 14.67% | -7.19% | 0.08% | 0.49% | 4.32% |
| Q4 2025 | 15.45% | -5.50% | 0.07% | 0.42% | 4.12% |
| Q3 2025 | 17.12% | -2.40% | 0.07% | 0.37% | 4.21% |
| Q2 2025 | 16.96% | -0.58% | 0.00% | 0.00% | 4.48% |
| Q1 2025 | 13.95% | -3.82% | 0.00% | 0.00% | 4.55% |
| Q4 2024 | 11.95% | -3.30% | 3.03% | 22.86% | 3.20% |
| Q3 2024 | 12.54% | -3.85% | 2.86% | 20.65% | 3.12% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Eastern National Bank (main office) | Miami , FL | 33156 | $26.9M |
| Hialeah Branch | Hialeah , FL | 33014 | $11.4M |
| Kendall Banking Center Branch | Miami , FL | 33176 | $10.8M |
| M.I.C.C. Branch | Miami , FL | 33122 | $8.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 18, 1989 | Structure Change | Acquired Enterprise Bank of Florida Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 17, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 8 against the institution (OCC)
- April 24, 2025, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Eastern National Bank
- November 19, 2020, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Eastern National Bank
- October 25, 2018, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Eastern National Bank
- June 26, 2009, OCC: Formal Agreement: Eastern National Bank
- October 24, 2008, OCC: Civil Money Penalty (CMP): Eastern National Bank
- Period: Most recent institution action April 24, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in FL, rank 157 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 21 applications, 6 loans originated, $3.8M originated, across 1 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $190K approved, $95K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Eastern National Bank
What are Eastern National Bank's total assets?
As of the Q2 2026 filing, Eastern National Bank reported total assets of $65.2 million in its FFIEC call report.
Where is Eastern National Bank headquartered?
It is headquartered in Miami, FL, United States.
When was Eastern National Bank founded?
It was established in 1969, per the FDIC institution directory.
Is Eastern National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20026). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Eastern National Bank?
Eastern National Bank's primary federal regulator is the OCC.
What is Eastern National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.92% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Eastern National Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Eastern National Bank's Texas Ratio?
Its Texas Ratio is 0.59% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Eastern National Bank previously called?
The charter now named Eastern National Bank has also operated as Peoples Hialeah National Bank (1970-1983), per FDIC structure-change records.
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