This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Miami, FL
Health score
59.7
Total assets
$65.2M
Bank
Clearwater, FL
Health score
61.5
Total assets
$52.2M
Answer first
Eastern National Bank leads on profitability; Echelon Bank leads on financial health and capitalization and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Echelon Bank
Higher TFS health score
Capitalization
Echelon Bank
Higher comparable capital ratio
Profitability
Eastern National Bank
Higher return on assets
Lending quality
Echelon Bank
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Eastern National Bank | Echelon Bank |
|---|---|---|
| TFS health score | 59.7/100 | 61.5/100Leads |
| Total assets | $65.2M | $52.2M |
| Total deposits / shares | $57.6M | $23.5M |
| Tier 1 capital ratio | 8.01% | 67.36%Leads |
| Return on assets | -6.56%Leads | -8.19% |
| Return on equity | -72.24% | -15.72% |
Eastern National Bank
4 branches
Echelon Bank
0 branches
No shared branch states were found in the current TFS branch dataset.
Eastern National Bank
Unavailable
Echelon Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Eastern National Bank
0 in TFS registry
Echelon Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Eastern National Bank score | Eastern National Bank ROA | Echelon Bank score | Echelon Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | -3.20% | — | — |
| 2024-Q4 | — | -3.23% | — | — |
| 2025-Q1 | — | -3.77% | — | — |
| 2025-Q2 | — | -2.27% | — | — |
| 2025-Q3 | — | -2.30% | — | — |
| 2025-Q4 | — | -2.98% | — | — |
| 2026-Q1 | 60.9/100 | -7.14% |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| Non-performing loans | 0.08% | 0.00%Leads |
| Net charge-offs | -0.20%Leads | 0.00% |
| Efficiency ratio | 270.10%Leads | 2359.41% |
| Loan-to-deposit ratio | 77.43% | 15.98% |
| Asset growth (YoY) | -35.17% | — |
| Deposit / share growth (YoY) | -34.06% | — |
| Branches | 4 | 0 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| — |
| — |
| 2026-Q2 | 59.7/100 | -6.56% | 61.5/100 | -8.19% |