EASTERN MICHIGAN BANK
EASTERN MICHIGAN BANK is an FDIC-insured commercial bank headquartered in CROSWELL, MI, established in 1895. As of , 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 -12.10%. CET1 capital ratio: 15.69%, well above regulatory minimums. NPL ratio: 0.73% · Texas Ratio: 1.52%. Operates 12 domestic branches.
Profitability
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Eastern Michigan Bank rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 15.69% | -4.04% | 0.73% | 1.52% | -12.10% |
| 2025-09-30 | 18.14% | 1.55% | 0.62% | 2.25% | 4.10% |
| 2025-06-30 | 16.85% | 1.64% | 0.59% | 2.28% | 4.05% |
| 2025-03-31 | 16.14% | 1.22% | 1.05% | 4.06% | 3.83% |
| 2024-12-31 | 15.13% | 1.80% | 0.99% | 4.32% | 4.35% |
| 2024-09-30 | 13.84% | 1.36% | 1.02% | 4.47% | 3.48% |
| 2024-06-30 | 13.20% | 1.06% | 1.01% | 4.90% | 3.35% |
| 2024-03-31 | 12.98% | 1.17% | 1.07% | 5.28% | 3.25% |
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Frequently asked about EASTERN MICHIGAN BANK
What are Eastern Michigan Bank's total assets?
As of the Q4 2025 filing, Eastern Michigan Bank reported total assets of $571.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Eastern Michigan Bank headquartered?
Eastern Michigan Bank is headquartered in CROSWELL, MI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Eastern Michigan Bank founded?
Eastern Michigan Bank was established in 1895, per the FDIC institution directory.
Is Eastern Michigan Bank FDIC-insured?
Yes. Eastern Michigan Bank is an FDIC-insured commercial bank (FDIC Certificate #982). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Eastern Michigan Bank?
Eastern Michigan Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Eastern Michigan Bank's CET1 capital ratio?
Eastern Michigan Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.69% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Eastern Michigan Bank operate?
Eastern Michigan Bank operates 12 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Eastern Michigan Bank's Texas Ratio?
Eastern Michigan Bank's Texas Ratio is 1.52% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.