Bank Comparison
Eastern Michigan Bank vs Kodabank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Eastern Michigan Bank | Kodabank |
|---|---|---|
| CET1 Ratio | 17.12% | — |
| Tier 1 Capital Ratio | 17.12% | — |
| Total Capital Ratio | 17.84% | — |
| Tier 1 Leverage Ratio | 10.45% | 10.18% |
| Equity / Assets | 17.06% | 9.71% |
Profitability
| Metric | Eastern Michigan Bank | Kodabank |
|---|---|---|
| Return on Assets (ROA) | 1.38% | 1.53% |
| Return on Equity (ROE) | 8.21% | 15.51% |
| Net Interest Margin (NIM) | 4.64% | 3.72% |
| Yield on Earning Assets | 5.12% | 5.86% |
| Cost of Funds | 0.52% | 2.27% |
Asset quality
| Metric | Eastern Michigan Bank | Kodabank |
|---|---|---|
| Texas Ratio | 2.15% | 2.69% |
| Non-Performing Loan Ratio | 0.62% | 0.30% |
| Non-Performing Asset Ratio | 0.21% | 0.23% |
| Net Charge-Off Ratio | -0.10% | -0.01% |
| ACL / Loans | 1.19% | 1.14% |
Balance sheet
| Metric | Eastern Michigan Bank | Kodabank |
|---|---|---|
| Total Assets | $567,842K | $567,295K |
| Total Deposits | $470,211K | $492,729K |
| Total Loans | $198,111K | $431,285K |
| Total Equity | $96,847K | $55,106K |
| Net Income (quarter) | $1,976K | $2,100K |
Liquidity & funding
| Metric | Eastern Michigan Bank | Kodabank |
|---|---|---|
| Loan-to-Deposit Ratio | 42.13% | 87.53% |
| Core Deposit Ratio | 99.78% | 86.76% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Eastern Michigan Bank | Kodabank |
|---|---|---|
| Headquarters City | CROSWELL | DRAYTON |
| Headquarters State | MI | ND |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 13 | 12 |
| Employees (FTE) | 82 | 72 |
| Established | Dec. 4, 1895, midnight | April 1, 1916, 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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