EATON COMMUNITY BANK

CHARLOTTE, MI | Medium | Est. Jan. 1, 1936, midnight | FDIC #29846 | RSSD #980773 | OCC
Latest Report: 2025-12-31

EATON COMMUNITY BANK is amn medium FDIC-insured commercial bank headquartered in CHARLOTTE, MI, established in Jan. 1, 1936, midnight. As of 2025-12-31, the bank reported total assets of $524M and total deposits of $442M. Profitability stands at -1.80% ROA and -14.35% ROE, with a net interest margin of 3.35%. The bank's CET1 capital ratio is 12.25%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.72% and a Texas Ratio of 8.05%. FDIC Certificate #29846.

Assets

$524M

Deposits

$442M

Loans

$324M

Equity

$64M

Profitability

Return on Assets (ROA) -1.80%
Return on Equity (ROE) -14.35%
Net Interest Margin (NIM) 3.35%
Yield on Assets 5.37%
Cost of Funds 2.14%

Asset Quality

NPL Ratio 1.72%
Net Charge-Off Ratio 0.05%
Texas Ratio 8.05%
NPA Ratio 1.06%
ACL / Loans 1.45%

Capital & Liquidity

CET1 Ratio 12.25%
Tier 1 Capital 12.25%
Total Capital Ratio 12.86%
Leverage Ratio 13.09%
Loan-to-Deposit 73.36%

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