Total Assets
$85M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$74M
Customer-funded liabilities
Net Loans
$55M
Outstanding loan book
Net Income
$-3,129K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
1st percentile nationally
-2.98%
Return on Equity (ROE)
-32.36%
Efficiency Ratio
173.34%
What the numbers say about Eastern National Bank
Eastern National Bank is an FDIC-insured institution (Certificate #20026) headquartered in Miami, Florida, established in 1969. It holds $85M in total assets - 3,867th of 4,313 FDIC-insured banks, $74M in customer deposits, and $55M in net loans. Its capital position: a Tier 1 ratio of 15.45%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.42% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (60 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Eastern National Bank is a community-scale institution -- 81st of 83 FDIC-insured banks headquartered in Florida by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$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.
Top banks in Florida by total assets
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.
Other banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Eastern National Bank's health grade?▼
Eastern National Bank receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Eastern National Bank?▼
Eastern National Bank holds $85M in total assets and $74M in deposits, ranking 3,867th of 4,313 FDIC-insured banks by asset size. It is headquartered in Miami, Florida.
Is my money safe at Eastern National Bank?▼
Yes, deposits at Eastern National Bank (Certificate #20026) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Eastern National Bank's Tier 1 Capital Ratio?▼
Eastern National Bank has a Tier 1 Capital Ratio of 15.45%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Eastern National Bank?▼
Eastern National Bank has a Texas Ratio of 0.42%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Eastern National Bank?▼
Eastern National Bank has an Efficiency Ratio of 173.34%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Eastern National Bank's profile as a depositor or analyst.
- Eastern National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Eastern National Bank against other Florida banks before moving funds. Florida banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.