Eastern National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Eastern National Bank of Miami, FL against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -5.87% | 3.15% | -9.02% | 2nd bottom |
| ROAE | -67.37% | 10.55% | -77.92% | 1st bottom |
| Net Interest Margin | 4.48% | 3.93% | +0.55% | 74th above |
| Efficiency Ratio | 261.83% | 75.97% | +185.86% | 1st bottom |
| Yield on Earning Assets | 5.17% | 5.35% | -0.18% | 48th below |
| Cost of Funds | 0.72% | 1.71% | -0.99% | 91st top |
| Net Interest Spread | 4.17% | 3.31% | +0.86% | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 1.34% | -1.26% | 60th above |
| NPA / Total Assets | 0.06% | 0.71% | -0.65% | 56th above |
| NCO / Avg Loans | -0.34% | 0.11% | -0.45% | 97th top |
| ACL / Total Loans | 1.77% | 1.49% | +0.28% | 78th top |
| ACL / NPLs (Coverage) | 2110.53% | 860.81% | +1249.72% | — |
| Texas Ratio | 0.59% | 8.26% | -7.67% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.92% | 62.04% | -48.12% | 15th bottom |
| Tier 1 Ratio | 13.92% | 62.05% | -48.13% | 15th bottom |
| Total Capital Ratio | 15.17% | 63.01% | -47.84% | 16th bottom |
| Leverage Ratio | 8.01% | 17.62% | -9.61% | 4th bottom |
| Equity / Assets | 8.61% | 16.44% | -7.83% | 13th bottom |
| TCE / Tangible Assets | 8.61% | 16.19% | -7.58% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.82% | 72.82% | +6.00% | 33rd below |
| Core Deposit Ratio | 91.92% | 88.21% | +3.71% | 53rd above |
| Wholesale Funding Ratio | 0.26% | 5.30% | -5.04% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -35.17% | 4.37% | -39.54% | 0th bottom |
| Loan Growth (Y/Y) | -28.11% | 6.79% | -34.90% | 1st bottom |
| Deposit Growth (Y/Y) | -34.06% | 3.84% | -37.90% | 1st bottom |
See Eastern National Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Eastern National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Eastern National Bank profile, how to read a UBPR, or how this data updates.