Eastern National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 22.75 percentage points higher than in Q1 2026, at 272.50%. Within Florida, Eastern National Bank is 34th of 81 on loan-to-deposit ratio, 78.82% as of Q2 2026, above the middle of the field. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $45.4M |
| Net loans and leases | $44.6M |
| Loans held for sale | $0 |
| Loans to total assets | 69.69% |
| Loan-to-deposit ratio | 78.82% |
| Net loans to equity capital | 7.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.71% |
| Multifamily (5+ residential) | 8.71% |
| Commercial and industrial | 1.36% |
| Consumer | 0.06% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 272.50% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.72% |
| Interest income on loans | $682K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $123.8M | $176.7M | 33.09% | 25.96% | 0.12% |
| Q4 2023 | $111.7M | $162.0M | 40.16% | 18.00% | 0.12% |
| Q1 2024 | $107.8M | $158.5M | 44.76% | 14.06% | 0.12% |
| Q2 2024 | $103.4M | $139.1M | 46.14% | 11.31% | 0.12% |
| Q3 2024 | $100.3M | $130.4M | 47.38% | 11.00% | 0.11% |
| Q4 2024 | $94.5M | $115.7M | 49.25% | 8.62% | 0.11% |
| Q1 2025 | $74.4M | $99.2M | 47.52% | 4.76% | 0.05% |
| Q2 2025 | $63.2M | $87.4M | 44.41% | 5.84% | 0.05% |
| Q3 2025 | $59.1M | $82.7M | 44.59% | 2.02% | 0.05% |
| Q4 2025 | $55.8M | $74.3M | 46.63% | 1.66% | 0.05% |
| Q1 2026 | $50.1M | $64.8M | 44.56% | 1.17% | 0.05% |
| Q2 2026 | $45.4M | $57.6M | 45.71% | 1.36% | 0.06% |
Eastern National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Eastern National Bank, freeSource: Call Report Schedule RC-C, 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)