EASTERN MICHIGAN BANK

CROSWELL, MI | Medium | Est. Dec. 4, 1895, midnight | FDIC #982 | RSSD #643340 | FED
Latest Report: 2025-12-31

EASTERN MICHIGAN BANK is amn medium FDIC-insured commercial bank headquartered in CROSWELL, MI, established in Dec. 4, 1895, midnight. As of 2025-12-31, the bank reported total assets of $572M and total deposits of $475M. Profitability stands at -4.04% ROA and -30.36% ROE, with a net interest margin of -11.51%. The bank's CET1 capital ratio is 15.69%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.50% and a Texas Ratio of 1.04%. FDIC Certificate #982.

Assets

$572M

Deposits

$475M

Loans

$204M

Equity

$96M

Profitability

Return on Assets (ROA) -4.04%
Return on Equity (ROE) -30.36%
Net Interest Margin (NIM) -11.51%
Yield on Assets -12.68%
Cost of Funds -1.25%

Asset Quality

NPL Ratio 0.50%
Net Charge-Off Ratio --
Texas Ratio 1.04%
NPA Ratio 0.18%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 15.69%
Tier 1 Capital 15.69%
Total Capital Ratio 16.41%
Leverage Ratio 10.74%
Loan-to-Deposit 42.85%

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