Bank Comparison
Eaton Community Bank vs Grand River Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Eaton Community Bank | Grand River Bank |
|---|---|---|
| CET1 Ratio | — | 12.40% |
| Tier 1 Capital Ratio | — | 12.40% |
| Total Capital Ratio | — | 13.63% |
| Tier 1 Leverage Ratio | 12.84% | 9.91% |
| Equity / Assets | 12.13% | 9.84% |
Profitability
| Metric | Eaton Community Bank | Grand River Bank |
|---|---|---|
| Return on Assets (ROA) | 0.72% | 0.63% |
| Return on Equity (ROE) | 5.89% | 6.53% |
| Net Interest Margin (NIM) | 3.43% | 2.77% |
| Yield on Earning Assets | 5.32% | 5.05% |
| Cost of Funds | 2.01% | 2.51% |
Asset quality
| Metric | Eaton Community Bank | Grand River Bank |
|---|---|---|
| Texas Ratio | 6.84% | 3.01% |
| Non-Performing Loan Ratio | 1.28% | 0.38% |
| Non-Performing Asset Ratio | 0.80% | 0.33% |
| Net Charge-Off Ratio | 2.10% | 0.00% |
| ACL / Loans | 0.91% | 1.14% |
Balance sheet
| Metric | Eaton Community Bank | Grand River Bank |
|---|---|---|
| Total Assets | $534,152K | $510,506K |
| Total Deposits | $452,047K | $440,003K |
| Total Loans | $332,560K | $439,215K |
| Total Equity | $64,796K | $50,256K |
| Net Income (quarter) | $952 | $814 |
Liquidity & funding
| Metric | Eaton Community Bank | Grand River Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 73.57% | 99.82% |
| Core Deposit Ratio | 92.09% | 92.92% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Eaton Community Bank | Grand River Bank |
|---|---|---|
| Headquarters City | CHARLOTTE | GRANDVILLE |
| Headquarters State | MI | MI |
| Asset Tier | Medium | Medium |
| Charter Class | 704194 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 7 | 2 |
| Employees (FTE) | 88 | 61 |
| Established | Jan. 1, 1936, midnight | April 30, 2009, 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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