Eastern National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Total equity capital dropped 15.5% in Q2 2026, from $6.6M to $5.6M. It was the largest change from Q1 2026 among the key lines here. Within Florida, Eastern National Bank is 32nd of 56 on CET1 ratio, 13.92% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Eastern National Bank sits 5.65 points lower, at 13.92% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.92% |
| Tier 1 risk-based capital ratio | 13.92% |
| Total risk-based capital ratio | 15.17% |
| Tier 1 leverage ratio | 8.01% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $5.6M |
| Tier 1 capital | $5.6M |
| Total risk-based capital | $6.1M |
| Total equity capital | $5.6M |
| Risk-weighted assets | $40.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.61% |
| Tangible equity to tangible assets | 8.61% |
| Equity capital to average assets | 7.98% |
| Internal capital growth rate | -62.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $14.8M |
| Common stock surplus | $5.3M |
| Retained earnings | -$14.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$26K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.28% | 13.28% | 14.54% | 8.21% | $129.6M |
| Q4 2023 | 14.02% | 14.02% | 15.28% | 8.51% | $116.8M |
| Q1 2024 | 13.90% | 13.90% | 15.16% | 8.38% | $108.4M |
| Q2 2024 | 12.80% | 12.80% | 14.06% | 8.23% | $108.2M |
| Q3 2024 | 12.54% | 12.54% | 13.80% | 8.06% | $98.6M |
| Q4 2024 | 11.95% | 11.95% | 13.20% | 8.02% | $93.8M |
| Q1 2025 | 13.95% | 13.95% | 15.21% | 8.36% | $72.1M |
| Q2 2025 | 16.96% | 16.96% | 18.23% | 9.43% | $58.4M |
| Q3 2025 | 17.12% | 17.12% | 18.38% | 9.45% | $54.4M |
| Q4 2025 | 15.45% | 15.45% | 16.71% | 9.01% | $52.3M |
| Q1 2026 | 14.67% | 14.67% | 15.94% | 8.49% | $45.4M |
| Q2 2026 | 13.92% | 13.92% | 15.17% | 8.01% | $40.5M |
Eastern National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Eastern National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Eastern National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20026) · FFIEC NIC profile (RSSD 171133)