FDIC Cert #20026 · Miami, Florida · Est. 1969

Eastern National Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$85M
Total assets
C
Health grade · Fair
-2.98%
Return on assets
15.4%
Tier 1 capital

Data updated July 2026

The verdict

Eastern National Bank earns a PlainBankData health grade of C (60/100), with well-capitalized at 15.45% Tier 1, -2.98% ROA, 173% efficiency ratio.

#3,867
largest of 4,313 FDIC banks by assets
10th
percentile by asset size, nationally
15.45%
Tier 1 ratio - above the 10% well-capitalized line
1st
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 20026 · FL C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3829/4307
  • PHOTO-FINISH Old Glory Bank · OK
  • TIER1-WELL 15.4% Tier 1
  • TEXAS-CLEAN 0.4% Texas
  • ROA-LOSS -2.98% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Florida: Old Glory Bank, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Eastern National Bank

Lowest and highest poles plus nearest scored peers outside Florida, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bruning Bank · NE · near60/100Eastern National Bank · FL ·…60/100Old Glory Bank · OK · near60/100Producer Bank of Texas · TX …60/100SMBC MANUBANK · CA · near60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Eastern National Bank · July 2026

Call Report read for Eastern National Bank in a high-failure state

Eastern National Bank (FDIC Cert #20026) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,829 of 4,307. Tier 1 capital prints at 15.45%, clearing the 10% well-capitalized line. The Texas Ratio is 0.42%, inside the sub-50% band analysts treat as healthy. Return on assets is -2.98%. Balance-sheet scale is $85M, 3,867th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Old Glory Bank (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Eastern National Bank

76 FAILURE resolutions in Florida since 2000, heavy vs the state corpus

Eastern National Bank sits in one of the heavier post-2000 FAILURE states (76 resolutions; latest year 2020). The list below is state history from the Failed Bank List, not a claim about Eastern National Bank's current Call Report.

  • FIRST CITY BANK OF FLORIDA FORT WALTON BEACH, FL 2020 → UNITED FIDELITY BANK, FSB
  • FIRST NATIONAL BANK OF CRESTVIEW CRESTVIEW, FL 2015 → FIRST NBC BANK
  • VALLEY BANK FORT LAUDERDALE, FL 2014 → LANDMARK BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Florida banks.

How Eastern National Bank's 60/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10060/100
Eastern National Bank's composite health score
Tier 1 Capital Ratio (15.45%) 40/40
Return on Assets (ROA) (-2.98%) 0/25
Texas Ratio (0.42%) 20/20
Efficiency Ratio (173.34%) 0/15

60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$85M

Total balance-sheet footings

Total Deposits

$74M

Customer-funded liabilities

Net Loans

$55M

Outstanding loan book

Net Income

$-3,129K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.05% 15.45% 16.85%
Basel III capital ratios - Eastern National Bank

Where Eastern National Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Eastern National Bank's score of 60/100 falls in the highlighted band.

Eastern National Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 11th percentile higher than 11% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Eastern National Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Eastern National Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Eastern National Bank's $85M falls in the highlighted band.

Capital & credit buffers at Eastern National Bank

Tier 1 capital ratio
Well-capitalized 10%

15.45% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.45%
Texas Ratio
0.42%
Equity Capital
$8M

What these ratios mean →

Profitability metrics: Eastern National Bank

Return on Assets (ROA)
1st percentile nationally
-2.98%
Return on Equity (ROE)
-32.36%
Efficiency Ratio
173.34%

What these mean →

Income & expense: loss period at Eastern National Bank

$6M
Interest Income
$680K
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Eastern National Bank reports a Texas Ratio of 0.42% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.42% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Eastern National Bank

Eastern National Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-3,129K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Eastern National Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Eastern National Bank on FDIC BankFind →

Top banks in Florida by total assets

Largest banks headquartered in Florida
  1. 1
    SouthState Bank $67.2B

    Winter Haven, FL · Grade A

  2. 2
    EverBank $46.0B

    Jacksonville, FL · Grade B

  3. 3
    Raymond James Bank $43.4B

    Saint Petersburg, FL · Grade A

  4. 4
    BankUnited $35.0B

    Miami Lakes, FL · Grade B

  5. 5
    City National Bank of Florida $28.0B

    Miami, FL · Grade A

Top 5 banks in Florida ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($85M here), outside Florida so the neighborhood is not state containment.

The Bank of Edison $85M · GA Bank of Maple Plain $85M · MN New Century Bank $85M · KS The Citizens State Bank and Trust Com… $85M · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Eastern National Bank (FDIC Cert #20026) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Eastern National Bank Call Report profile · FDIC Failed Bank List · Florida FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Florida

All Florida banks →
BankAssetsGradeROA
SouthState Bank, National AssociationWinter Haven $67.2B A 1.40%
EverBank, National AssociationJacksonville $46.0B B 0.72%
Raymond James BankSaint Petersburg $43.4B A 1.47%
BankUnited, National AssociationMiami Lakes $35.0B B 0.89%
City National Bank of FloridaMiami $28.0B A 0.96%
Seacoast National BankStuart $20.8B A 0.91%
Amerant Bank, National AssociationCoral Gables $9.8B C 0.64%
Ocean BankMiami $7.4B B 0.92%