BlastPoint's Banking Scorecard
Eastern National Bank
Micro
Specialty: Commercial
FL
FDIC cert 20026
Designations: ✓ Community bank
Miami, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
Eastern National Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 4.07% below tier
- - Efficiency Ratio 105.61% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$84.8M
-35.3% YoY
-10.9% QoQ
|
-$132.7M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$54.6M
-41.4% YoY
-5.5% QoQ
|
-$84.6M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$74.3M
-35.7% YoY
-10.1% QoQ
|
-$109.3M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
-2.98%
+7.7% YoY
-29.8% QoQ
|
-4.07% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
4.38%
+37.0% YoY
-1.1% QoQ
|
+0.53% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
173.34%
-20.7% YoY
+11.8% QoQ
|
+105.61% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.07%
-97.7% YoY
+5.8% QoQ
|
-0.57% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
73.44%
-8.7% YoY
+5.2% QoQ
|
-1.08% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
26.93%
+23.2% YoY
+12.8% QoQ
|
+4.54% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.05%
-97.9% YoY
+12.2% QoQ
|
-0.41% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
15.45%
+29.3% YoY
-9.8% QoQ
|
+6.60% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.80%
+96.2% YoY
+31.1% QoQ
|
+0.24% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-2.98%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
173.34%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.56%
75
75th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.85%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.45% · Tier avg: 8.85%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.93% · Tier avg: 22.39%
45
45th pctile
Loan-to-Deposit Ratio
Current: 73.44% · Tier avg: 74.53%
22
22th pctile
Total Loans
Current: $54.6M · Tier avg: $139.2M
19
19th pctile
Total Deposits
Current: $74.3M · Tier avg: $183.7M
17
17th pctile
Total Assets
Current: $84.8M · Tier avg: $217.5M
0
0th pctile
Return on Assets
Current: -2.98% · Tier avg: 1.08%
0
0th pctile
Efficiency Ratio
Current: 173.34% · Tier avg: 67.73%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 173.34% · Tier avg: 67.73%
0
0th pctile
Return on Assets
Current: -2.98% · Tier avg: 1.08%
17
17th pctile
Total Assets
Current: $84.8M · Tier avg: $217.5M
19
19th pctile
Total Deposits
Current: $74.3M · Tier avg: $183.7M
22
22th pctile
Total Loans
Current: $54.6M · Tier avg: $139.2M
45
45th pctile
Loan-to-Deposit Ratio
Current: 73.44% · Tier avg: 74.53%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.93% · Tier avg: 22.39%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.45% · Tier avg: 8.85%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
75
75th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.85%
87
87th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.56%