Eastern National Bank
Miami, Florida, Miami-Dade County
$65M in total assets, the 3,999th largest of 4,309 US banks and 78th of 84 headquartered in Florida.
- FDIC certificate
- 20026
- Established
- 1969
- Owned by
- Corpofin Ca
- Primary regulator
- OCC
- Website
- www.enbfl.com
At a glance
Compared with 580 US banks with under $100 million in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $65M | 53% | $62M | |
| Loans | $45M | 71% | $31M | |
| Deposits | $58M | 58% | $51M | |
| Return on assets | -5.09% | 2% | 0.96% | |
| Net interest margin | 4.47% | 75% | 3.84% | |
| Efficiency ratio | 270.1% | 98% | 70.8% | |
| Equity to assets | 8.61% | 12% | 12.57% | |
| Loans to deposits | 79% | 67% | 67% |
Growth
Total assets grew -27.3% a year over the last 5 years and -16.7% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Mar 1989 | Enterprise Bank of Florida Miami Lakes, FL | $28M |
Where they operate
4 branches in 1 county.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Miami-dade County, FL | $58M | 0.0% | 52 of 58 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 1 branch since 2016 (5 to 4, −20.0%). 0 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 5 | |||
| 2021 | Closed Coral Gables | 0 | 1 | −1 | 4 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 46% | 14% | |
| 1-4 family residential | 44% | 33% | |
| Multifamily | 9% | 2% | |
| Business (C&I) | 1% | 12% | |
| Consumer | 0% | 7% | |
| Construction and land | 0% | 4% | |
| Farmland | 0% | 13% | |
| Agricultural | 0% | 13% | |
| Other | 0% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 44% | 40% | |
| Noninterest-bearing | 30% | 23% | |
| Time deposits | 27% | 36% |
Brokered deposits are 0.0% of deposits (peers 1.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.08% | 0.46% |
| Net charge-offs, annualized | -0.20% | 0.00% |
| Reserves to loans | 1.77% | 1.24% |
| Leverage ratio | 8.01% | 13.04% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Florida
Largest competitors in Miami-dade County, FL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/eastern-national-bank-miami-fl