BlastPoint's Banking Scorecard

Eastern National Bank

under $100M Specialty: Commercial FL FDIC cert 20026

Designations: ✓ Community bank

Miami, FL

4 branches across FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 536 banks in the under $100M peer group nationwide — 1 of 6 in FL.
Deposits -34.1% year over year ($57.6M on the books).
Delinquency rate 0.09%.
Return on assets -6.56%.
Efficiency ratio 270.10% vs a 119.40% peer average.
Loan-to-deposit ratio 77.43% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 6 in FL

View under $100M leaderboard (FL) →

Eastern National Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.56% above tier average
+ Delinquency Rate 1.40% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 7.56% below tier average
- Efficiency Ratio 150.70% above tier average

Get updates when Eastern National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$65.2M -35.2% YoY -11.4% QoQ	+$2.7M	$62.4M -0.0% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	51%
Total Loans ?	$44.6M -27.6% YoY -9.1% QoQ	+$9.7M	$34.9M -0.6% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	69%
Total Deposits ?	$57.6M -34.1% YoY -11.1% QoQ	+$6.0M	$51.6M -0.2% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	55%
Return on Assets ?	-6.56% -189.3% YoY +8.1% QoQ	-7.56%	1.00% +3.5% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	Bottom 1.7% in tier
Net Interest Margin ?	4.47% -0.8% YoY +2.4% QoQ	+0.56%	3.91% +2.3% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	74%
Efficiency Ratio ?	270.10% +84.6% YoY -2.8% QoQ	+150.70%	119.40% +49.6% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	Bottom 1.7% in tier
Delinquency Rate ?	0.09% +10.0% QoQ	-1.40%	1.48% +31.8% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	66%
Loan-to-Deposit Ratio ?	77.43% +9.7% YoY +2.3% QoQ	+3.22%	74.21% +12.6% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	33%
Non-Interest-Bearing Deposit Share ?	29.54% +25.5% YoY +6.2% QoQ	+6.05%	23.49% +0.6% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	73%
Nonperforming Asset Ratio ?	0.06% +12.9% QoQ	-0.78%	0.84% +23.0% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	65%
Tier 1 Capital Ratio ?	13.92% -18.0% YoY -5.2% QoQ	-13.21%	27.13% +3.0% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.30% -26.3% YoY +131.7% QoQ	-1.08%	1.38% +6.3% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	83%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Noninterest-Bearing	29.5% +6.0pp YoY +1.7pp QoQ	+4.9pp	24.6%	27.7%	22.2%	71%
Brokered Deposits	n/a	n/a	9.8%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	1.4% -4.6pp YoY +0.2pp QoQ	-12.0pp	13.4%	12.9%	12.5%	4%
CRE	n/a	n/a	25.2%	50.6%	41.4%	n/a
1-4 Family	45.0% +1.3pp YoY -1.1pp QoQ	+10.0pp	35.0%	30.7%	31.3%	67%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-7.6pp	7.7%	3.7%	5.0%	1%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	13.9% -3.0pp YoY -0.8pp QoQ	-24.8pp	38.7%	19.8%	19.7%	15%
Leverage Ratio	8.0% -1.4pp YoY -0.5pp QoQ	-9.7pp	17.7%	13.9%	12.6%	3%
Total Capital Ratio	15.2% -3.1pp YoY -0.8pp QoQ	-24.5pp	39.7%	21.1%	20.8%	15%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	40 -12 (-23.1%) YoY -9 (-18.4%) QoQ	+28	12	295	482	98%
Assets per Employee ($)	$1.6M -15.7% YoY +8.5% QoQ	-$4.6M	$6.2M	$10.3M	$8.8M	3%
Branch Count	4 0 YoY 0 QoQ	+2	1	13	18	96%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	1.0%	0.3%	0.4%	n/a
Nonaccrual	0.1% 0.0pp QoQ	-1.7pp	1.7%	0.7%	1.0%	9%
Allowance Coverage	21.11x -23.7% QoQ	+14.70x	6.41x	16.62x	20.23x	93%
Net Charge-off Rate (YTD)	-0.2% +0.2pp YoY -0.1pp QoQ	-0.4pp	0.2%	0.2%	0.2%	6%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	-72.2% -47.0pp YoY +4.7pp QoQ	-78.6pp	6.4%	9.3%	11.6%	1%
Cost of Funds (YTD)	0.8% -0.9pp YoY -0.1pp QoQ	-0.6pp	1.4%	1.8%	1.7%	18%
Net Income ($, YTD)	$-2445000.0 -87.6% YoY — QoQ	-$2.8M	$317,817	$25.2M	$40.4M	1%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 536 peers in under $100M

Top Strengths (1 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.30%

Peer Median: 1.38%

#90 of 536 Top 16.6% in under $100M

Top Weaknesses (2 metrics)

528

Efficiency Ratio

profitability

Value: 270.10%

Peer Median: 119.40%

#528 of 536 Bottom 1.7% in under $100M

528

Return on Assets

profitability

Value: -6.56%

Peer Median: 1.00%

#528 of 536 Bottom 1.7% in under $100M