Bank Comparison
Commercial Bank vs Eastern Michigan Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Commercial Bank | Eastern Michigan Bank |
|---|---|---|
| CET1 Ratio | 17.62% | 17.12% |
| Tier 1 Capital Ratio | 17.62% | 17.12% |
| Total Capital Ratio | 18.60% | 17.84% |
| Tier 1 Leverage Ratio | 10.80% | 10.45% |
| Equity / Assets | 10.03% | 17.06% |
Profitability
| Metric | Commercial Bank | Eastern Michigan Bank |
|---|---|---|
| Return on Assets (ROA) | 1.27% | 1.38% |
| Return on Equity (ROE) | 12.62% | 8.21% |
| Net Interest Margin (NIM) | 4.02% | 4.64% |
| Yield on Earning Assets | 4.90% | 5.12% |
| Cost of Funds | 0.93% | 0.52% |
Asset quality
| Metric | Commercial Bank | Eastern Michigan Bank |
|---|---|---|
| Texas Ratio | 2.15% | 2.15% |
| Non-Performing Loan Ratio | 0.33% | 0.62% |
| Non-Performing Asset Ratio | 0.22% | 0.21% |
| Net Charge-Off Ratio | 0.01% | -0.10% |
| ACL / Loans | 0.92% | 1.19% |
Balance sheet
| Metric | Commercial Bank | Eastern Michigan Bank |
|---|---|---|
| Total Assets | $564,421K | $567,842K |
| Total Deposits | $494,000K | $470,211K |
| Total Loans | $364,324K | $198,111K |
| Total Equity | $56,591K | $96,847K |
| Net Income (quarter) | $1,798K | $1,976K |
Liquidity & funding
| Metric | Commercial Bank | Eastern Michigan Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 73.75% | 42.13% |
| Core Deposit Ratio | 95.71% | 99.78% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Commercial Bank | Eastern Michigan Bank |
|---|---|---|
| Headquarters City | ITHACA | CROSWELL |
| Headquarters State | MI | MI |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 11 | 13 |
| Employees (FTE) | 99 | 82 |
| Established | Aug. 29, 1962, 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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