# EASTERN NATIONAL BANK
MIAMI, FL · FDIC certificate 20026 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $65.2M | |
| Deposits | $57.6M | |
| Loans and leases | $45.4M | |
| Total equity | $5.6M | |
| Loans / deposits | 77.43% (p58 of band) | 73.59% |
| Liquid assets / assets | 27.95% (p39 of band) | |
| Uninsured deposits / deposits | 15.53% (p34 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.26% (p48 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.01% (p3 of band) | 11.76% |
| Unrealized securities loss / equity | -0.45% (p83 of band) | -6.57% |
| AOCI / equity | 0.07% (p88 of band) | |
| ROA (annualized) | -6.56% (p1 of band) | 1.17% |
| Net interest margin | 4.47% (p76 of band) | 3.93% |
| Efficiency ratio | 270.10% (p99 of band) | |
| Noncurrent loans | 0.08% (p33 of band) | 0.36% |
| Net charge-offs (annualized) | -0.13% (p2 of band) | |
| Reserve coverage of noncurrent | 2110.53% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -34.1% | |
| Employees | 40 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money, expense ratio p90 |
| 2011-09 | 2 | losing money |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | expense ratio p90, deposits shrinking, assets shrinking | losing money |
| 2012-06 | 4 |  |  |
| 2012-09 | 2 |  | deposits shrinking, assets shrinking |
| 2012-12 | 3 | assets shrinking |  |
| 2013-03 | 1 |  | expense ratio p90, assets shrinking |
| 2013-06 | 1 | assets shrinking | reserve under noncurrent |
| 2013-09 | 0 |  | assets shrinking |
| 2013-12 | 1 | expense ratio p90 |  |
| 2014-03 | 0 |  | expense ratio p90 |
| 2014-06 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2014-09 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2014-12 | 1 | loans exceed deposits |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 3 | liquid assets <10%, expense ratio p90 |  |
| 2016-03 | 1 |  | liquid assets <10%, expense ratio p90 |
| 2016-06 | 1 | expense ratio p90 | loans exceed deposits |
| 2016-09 | 2 | loans exceed deposits |  |
| 2016-12 | 4 | liquid assets <10%, capital falling |  |
| 2017-03 | 1 | charge-offs p90 | expense ratio p90, loans exceed deposits, liquid assets <10%, capital falling |
| 2017-06 | 1 | expense ratio p90 | charge-offs p90 |
| 2017-09 | 1 | capital falling | expense ratio p90 |
| 2017-12 | 3 | loans exceed deposits, liquid assets <10%, charge-offs p90 | capital falling |
| 2018-03 | 4 | losing money, expense ratio p90 | charge-offs p90 |
| 2018-06 | 5 | deposits shrinking, assets shrinking | liquid assets <10% |
| 2018-09 | 8 | liquid assets <10%, charge-offs p90, uninsured deposits leaving |  |
| 2018-12 | 7 |  | liquid assets <10% |
| 2019-03 | 5 |  | loans exceed deposits, charge-offs p90 |
| 2019-06 | 7 | noncurrent p90, reserve under noncurrent |  |
| 2019-09 | 3 |  | deposits shrinking, uninsured deposits leaving, noncurrent p90, reserve under noncurrent |
| 2019-12 | 6 | capital falling, charge-offs p90, deposits shrinking |  |
| 2020-03 | 6 |  |  |
| 2020-06 | 8 | noncurrent p90, reserve under noncurrent |  |
| 2020-09 | 6 |  | assets shrinking, deposits shrinking |
| 2020-12 | 5 | leverage <7% | noncurrent p90, reserve under noncurrent |
| 2021-03 | 3 |  | capital falling, charge-offs p90 |
| 2021-06 | 3 | assets shrinking | leverage <7% |
| 2021-09 | 4 | deposits shrinking |  |
| 2021-12 | 5 | uninsured deposits leaving |  |
| 2022-03 | 4 |  | uninsured deposits leaving |
| 2022-06 | 4 |  |  |
| 2022-09 | 6 | charge-offs p90, uninsured deposits leaving |  |
| 2022-12 | 5 |  | charge-offs p90 |
| 2023-03 | 6 | charge-offs p90 |  |
| 2023-06 | 7 | capital falling |  |
| 2023-09 | 5 |  | charge-offs p90, capital falling |
| 2023-12 | 5 |  |  |
| 2024-03 | 6 | noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2024-06 | 8 | capital falling, uninsured deposits leaving |  |
| 2024-09 | 8 |  |  |
| 2024-12 | 8 |  |  |
| 2025-03 | 5 |  | noncurrent p90, reserve under noncurrent, capital falling |
| 2025-06 | 5 |  |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 6 | capital falling |  |
| 2026-06 | 6 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-07 [Longtime Miami bank to be acquired amid regulatory problems - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOcTFfSjBIU29MOU1pQmp0OGplNWk3S1F1T00wNDhHQXZpcFRZb0d3Q01mUXNMYlFjelJJbHpWZ28tWmluWVFTWEZMSHdPZkY0YmJiRzdjTVlIZ2ZPV0JRNXFUZi1LWS1LeEJwelc5MzlDUzRuYnVTblNoVS1yb0hFaUE2cHp1ZDBhRmxXcDRvNTRUMXQtZFMzZ0NfZ05pRDVXYXNLajMwbw?oc=5) · The Business Journals
- 2026-04-27 [New bank set to launch in South Florida - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxOako4OXFJVjY3NGNGTFZPVjhldVFPZ0dUeFUxalI5U285UlVFWWZTbkU5ZjFVWlQ1ZDNKRnZRd2pHMk1ZV1FidkRyc3c5M1F3dm1nNjV5RkdublVRM1M1NnZvcGdvZmJvY1cxNnRCbEdYZUFjUnY0dTNqVmg0WmNnVm1KWTdvdHJJc0xsRS1iTUp4Qm43eWY3bXZhOFE?oc=5) · The Business Journals
- 2022-09-29 [Legal battle over Miami bank allegedly controlled by Venezuela intensifies - Miami Herald](https://news.google.com/rss/articles/CBMilwFBVV95cUxOTVZMYlVMVUNUOHI4REd4aUFaWWZJTE4xY280TDg2VTNERHEwT1NqS1JteFREM0ZVVENVVnRPVWhxeUtSaTN4QTlSMHFzM2VqMHhpd2YzbzRpbTFVQmItc0NDZGJVQjlicEs5Si1VMl9fN1dYOGxsdlZPZ05Fb3lTcllEVEFkcXJQTm85aHc3SGtnWWRXZzJF0gGXAUFVX3lxTE5KemxxVFFaSjJEMGgybzZ5Sm1OWlpCRXJTOWk4NDBnV1FPUEtIMVIyeWNxZUdaQ0J2RlFnaXpVM3Z4Z0p4LWlSdlJaZ0V4blBSam53emZUSFM1ZmlMcW53dWtXTXZxb2wwNTFINXg5cF9FT0c5bWFtTmt5LWJ6aXZJRG83STRVYzlEZmZKVHoyLXNwNGZqT0k?oc=5) · Miami Herald
- 2026-05-10 [New bank to open in Coral Gables - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxQT0xFVGNJYUp2YUVHUW5US3FRd2NOQnZ3QV80NmJ4RHBraHdsNDFZbzFDejBDRXduNEx6MjRQcUxiSFNmZjJTeV9WdkRWSktoQ3pnYlZzdG9fRml1UWVYZG5saDUzeDdxV0NYM2ZpZmQxOWZYRHo0Rnl5QnYtT05BOEdkSHNma3BVc2RIS3ZLS3RjNWZSdm5EMnRDaEFRdw?oc=5) · The Business Journals
- 2025-05-16 [OCC Announces Enforcement Actions Against Banks and Individuals - PYMNTS.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxQUk5yNy1qbE9pR1o1WGlyc1U1ZGk0X1FHUmZYcHBYdm54WDI0MjNzMlI0NDhSQl9VOEhxS0UyR2NsQnVCd2tiUXB6QlhPZVJKcXBBLWtWeF9rMHdtM0FUa3lQaDRSSlFUS1JycS0wWVJDNC1HbEJPSkNZZlc5SGFWQ3laRk92eDVoRUpVVXEzRUhYWHlJUzRLSGdLYzNrR3B3enBMYUI3U2xMU3NOMU5hVFEzcGw?oc=5) · PYMNTS.com
- 2017-03-20 [Exclusive: Venezuela taps small banks to handle dollar deals - Yahoo Finance](https://news.google.com/rss/articles/CBMirwFBVV95cUxPZWtLYVVsQi1qLWJvMUg4ZUM5bTNNdWk5dE1iX3ZMdWQ1WjN4X21RS2QzTDdIR0ZORmtLbzQwdk5haFpCOFNfUlBadExMVWtwcnBUdnlpY2ZuOFBWX3BQQ204NVNOa3RSM290Z2NhSDgzUU9iMHpzVDlVX0RyUW5hMUZLQnEtdWF5dnlKcjZzYk9qVkxSdWFWT1VVdlJreVo5V3Nrb3JuU19PMDV6YUJj?oc=5) · Yahoo Finance
- 2022-08-17 [Company registered in Curaçao owns shares in Miami based bank that helped Nicolas Maduro evade sanctions - curacaochronicle.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOSDFIVXkyUGlTNlRYYlN2X1dxS2oxZFFwNjJDMzNNSUNZQU4xMWd4UEdaMDBNM3UxN3lERndNd3JXbmc0RFF5bjZRU1lnZDhhSnh0SWxKcElJbEdwREw2ZEE4Ui15UXdmUDZYVThzRnUwVThPNzZBV2tzWS11VGRJdFNZT3dyZmZQTXJJTlRXRVRZUjhLU2ZPQlVsOEM3enNET255SXdNZDZsc0o0T3NtbVUxZzlwOWtLU0VxNTNueFA1WU5Yd2JUYk5JNlI3dUZtdy1FUkRGZktIbHpEaDhaTFRxbDM?oc=5) · curacaochronicle.com
- 2018-11-19 [Regulators cite Venezuela-controlled bank for anti-money laundering compliance - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxNc0l3X0I5dV9DR3hSSkh1SkVqcTZuS2hrQWJpQ0xuUS1fZEdKVk5VR3YyWkx2SmJqQmNZalAweGVnM0JXQjJsTWxjODNnVkNhTmU2ZXFSaENDbFpfWFJiQnhyYTk1ZGVoZEtlR1lyd3Jqamd5bl9EMzE1a0N6NjNXSVlOb29BZl94Zm45WncybFE3NEVhS2hvTDVibkNEbVdTa1lmWmZWTDdtUTBUTHBBRjVB?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20026 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/58.json (key "20026", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide