Bank Comparison
Eastern Michigan Bank vs Jonah Bank of Wyoming
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 | Eastern Michigan Bank | Jonah Bank of Wyoming |
|---|---|---|
| CET1 Ratio | 17.12% | — |
| Tier 1 Capital Ratio | 17.12% | — |
| Total Capital Ratio | 17.84% | — |
| Tier 1 Leverage Ratio | 10.45% | 9.85% |
| Equity / Assets | 17.06% | 9.18% |
Profitability
| Metric | Eastern Michigan Bank | Jonah Bank of Wyoming |
|---|---|---|
| Return on Assets (ROA) | 1.38% | 1.96% |
| Return on Equity (ROE) | 8.21% | 21.71% |
| Net Interest Margin (NIM) | 4.64% | 4.83% |
| Yield on Earning Assets | 5.12% | 5.94% |
| Cost of Funds | 0.52% | 1.17% |
Asset quality
| Metric | Eastern Michigan Bank | Jonah Bank of Wyoming |
|---|---|---|
| Texas Ratio | 2.15% | 2.86% |
| Non-Performing Loan Ratio | 0.62% | 0.43% |
| Non-Performing Asset Ratio | 0.21% | 0.30% |
| Net Charge-Off Ratio | -0.10% | 0.00% |
| ACL / Loans | 1.19% | 1.69% |
Balance sheet
| Metric | Eastern Michigan Bank | Jonah Bank of Wyoming |
|---|---|---|
| Total Assets | $567,842K | $568,499K |
| Total Deposits | $470,211K | $511,521K |
| Total Loans | $198,111K | $391,897K |
| Total Equity | $96,847K | $52,215K |
| Net Income (quarter) | $1,976K | $2,763K |
Liquidity & funding
| Metric | Eastern Michigan Bank | Jonah Bank of Wyoming |
|---|---|---|
| Loan-to-Deposit Ratio | 42.13% | 76.61% |
| Core Deposit Ratio | 99.78% | 99.28% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Eastern Michigan Bank | Jonah Bank of Wyoming |
|---|---|---|
| Headquarters City | CROSWELL | CASPER |
| Headquarters State | MI | WY |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 13 | 4 |
| Employees (FTE) | 82 | 86 |
| Established | Dec. 4, 1895, midnight | July 31, 2006, 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.
View full Eastern Michigan Bank profile | View full Jonah Bank of Wyoming profile | Browse all bank comparisons