Eastern National Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 2.45 percentage points higher than in Q1 2026, at 85.75%. Eastern National Bank ranks 34th of 81 Florida banks on loan-to-deposit ratio, in the upper half at 78.82% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Eastern National Bank sits 11.19 points higher, at 78.82% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.6M |
| Cash and noninterest-bearing balances to assets | 27.06% |
| Cash and securities | $18.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $171K |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.82% |
| Net loans and leases to deposits | 77.43% |
| Loans and leases to core deposits | 85.75% |
| Core deposits to total deposits | 91.92% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 70.06% | 80.46% | $141K | $0 |
| Q4 2023 | 68.92% | 83.19% | $82K | $0 |
| Q1 2024 | 68.01% | 82.45% | $63K | $0 |
| Q2 2024 | 74.37% | 83.02% | $95K | $0 |
| Q3 2024 | 76.91% | 84.47% | $162K | $0 |
| Q4 2024 | 81.66% | 87.07% | $161K | $0 |
| Q1 2025 | 74.94% | 90.08% | $120K | $0 |
| Q2 2025 | 72.29% | 91.07% | $59K | $0 |
| Q3 2025 | 71.50% | 90.85% | $125K | $0 |
| Q4 2025 | 75.05% | 91.27% | $50K | $0 |
| Q1 2026 | 77.32% | 92.83% | $98K | $0 |
| Q2 2026 | 78.82% | 91.92% | $171K | $0 |
Eastern National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Eastern National Bank, freeSource: Call Report Schedules RC and RC-M, 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)