Bank Comparison
Citizens State Bank vs Eastern Michigan Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens State Bank | Eastern Michigan Bank |
|---|---|---|
| CET1 Ratio | — | 17.12% |
| Tier 1 Capital Ratio | — | 17.12% |
| Total Capital Ratio | — | 17.84% |
| Tier 1 Leverage Ratio | 8.85% | 10.45% |
| Equity / Assets | 8.28% | 17.06% |
Profitability
| Metric | Citizens State Bank | Eastern Michigan Bank |
|---|---|---|
| Return on Assets (ROA) | 1.83% | 1.38% |
| Return on Equity (ROE) | 21.90% | 8.21% |
| Net Interest Margin (NIM) | 4.40% | 4.64% |
| Yield on Earning Assets | 6.67% | 5.12% |
| Cost of Funds | 2.28% | 0.52% |
Asset quality
| Metric | Citizens State Bank | Eastern Michigan Bank |
|---|---|---|
| Texas Ratio | 1.98% | 2.15% |
| Non-Performing Loan Ratio | 0.24% | 0.62% |
| Non-Performing Asset Ratio | 0.18% | 0.21% |
| Net Charge-Off Ratio | 0.00% | -0.10% |
| ACL / Loans | 1.13% | 1.19% |
Balance sheet
| Metric | Citizens State Bank | Eastern Michigan Bank |
|---|---|---|
| Total Assets | $543,781K | $567,842K |
| Total Deposits | $496,515K | $470,211K |
| Total Loans | $415,416K | $198,111K |
| Total Equity | $45,009K | $96,847K |
| Net Income (quarter) | $2,410K | $1,976K |
Liquidity & funding
| Metric | Citizens State Bank | Eastern Michigan Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 83.67% | 42.13% |
| Core Deposit Ratio | 97.51% | 99.78% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens State Bank | Eastern Michigan Bank |
|---|---|---|
| Headquarters City | ROYAL OAK | CROSWELL |
| Headquarters State | MI | MI |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 3 | 13 |
| Employees (FTE) | 53 | 82 |
| Established | Dec. 6, 1910, midnight | Dec. 4, 1895, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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