🏦Bank Scorer

EASTERN NATIONAL BANK

MIAMI, FL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1969FDIC #20,026
Satisfactory Down

Current rating · Exam: July 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -7.14%

Institution Profile

FDIC BankFind

Address

9700 S Dixie Hwy, MIAMI, FL

County

Miami-Dade County

Established

September 3, 1969

Total Assets

$74M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 24, 2024

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$74M

Total Deposits

$65M

Net Loans

$49M

Net Income

$-1,413K

ROA

-7.14%

ROE

-76.92%

Risk-Based Capital

15.94%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate22.22%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$87M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20191833.33%22.22%
20182955.17%20.69%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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