Banks EASTERN MICHIGAN BANK

EASTERN MICHIGAN BANK

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

EASTERN MICHIGAN BANK is an 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%. CET1 capital ratio: 15.69%, well above regulatory minimums. NPL ratio: 0.50% · Texas Ratio: 1.04%.

Assets
$572M
Deposits
$475M
Loans
$204M
Equity
$96M

Profitability

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

Asset Quality

NPL Ratio0.50%
Net Charge-Off Ratio--
Texas Ratio1.04%
NPA Ratio0.18%
ACL / Loans1.18%

Capital & Liquidity

CET1 Ratio15.69%
Tier 1 Capital15.69%
Total Capital Ratio16.41%
Leverage Ratio10.74%
Loan-to-Deposit42.85%

This is just the summary.

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