Eastern National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 655.26 percentage points in Q2 2026, from 2765.79% to 2110.53%. It was the largest change from Q1 2026 among the key lines here. Eastern National Bank has the 2nd lowest return on assets of the 79 banks headquartered in Florida, at -5.87% as of Q2 2026. Eastern National Bank's return on assets of -5.87% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 6.85 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.92% |
| Tier 1 risk-based capital ratio | 13.92% |
| Total risk-based capital ratio | 15.17% |
| Tier 1 leverage ratio | 8.01% |
| Equity capital to assets | 8.61% |
| Tangible equity to tangible assets | 8.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | -0.34% |
| Texas ratio | 0.59% |
| Allowance for credit losses to loans | 1.77% |
| Reserve coverage of non-performing loans | 2110.53% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -5.87% |
| Return on equity | -67.37% |
| Net interest margin | 4.48% |
| Efficiency ratio | 261.83% |
| Yield on earning assets | 5.17% |
| Cost of funds | 0.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.82% |
| Core deposits to total deposits | 91.92% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.41% |
| Securities to assets | 0.89% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.28% | 13.28% | 14.54% | 8.21% | -0.90% |
| Q4 2023 | 14.02% | 14.02% | 15.28% | 8.51% | -1.74% |
| Q1 2024 | 13.90% | 13.90% | 15.16% | 8.38% | -2.91% |
| Q2 2024 | 12.80% | 12.80% | 14.06% | 8.23% | -2.91% |
| Q3 2024 | 12.54% | 12.54% | 13.80% | 8.06% | -3.85% |
| Q4 2024 | 11.95% | 11.95% | 13.20% | 8.02% | -3.30% |
| Q1 2025 | 13.95% | 13.95% | 15.21% | 8.36% | -3.82% |
| Q2 2025 | 16.96% | 16.96% | 18.23% | 9.43% | -0.58% |
| Q3 2025 | 17.12% | 17.12% | 18.38% | 9.45% | -2.40% |
| Q4 2025 | 15.45% | 15.45% | 16.71% | 9.01% | -5.50% |
| Q1 2026 | 14.67% | 14.67% | 15.94% | 8.49% | -7.19% |
| Q2 2026 | 13.92% | 13.92% | 15.17% | 8.01% | -5.87% |
Eastern National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Eastern National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)