Eastern Michigan Bank
Capital moved notably last quarter — CET1 ratio of 17.12% was up 143bps from the prior quarter. Eastern Michigan Bank is the primary bank subsidiary of its parent holding company, headquartered in Croswell, MI, during the post-Reconstruction banking expansion. The Q1 2026 balance sheet stands at $568M in assets, including $198M in loans. The bank posts a strong 1.38% ROA and 8.21% ROE. Regulatory capital is solid — 17.12% CET1 and 17.84% total risk-based capital ratio. Asset quality is solid — 0.62% nonperforming loans and a 2.15% Texas Ratio. Eastern Michigan operates a 13-branch network.
Headquarters Profile
- Address
- 65 N Howard Ave, CROSWELL, MI 48422
- County
- Sanilac
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- FED
- Fed District
- 9
- Established
- December 4, 1895
- Branches
- 13 domestic
- Employees (FTE)
- 82
- FDIC Cert
- 982
- Fed RSSD
- 643340
- Website
- www.emb.bank →
- Parent Holding Company
- MERCANTILE BANK CORPORATION (RSSD 2608763)
Capital & Liquidity
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Eastern Michigan Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
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Frequently asked about Eastern Michigan Bank
What are Eastern Michigan Bank's total assets?
As of the Q1 2026 filing, Eastern Michigan Bank reported total assets of $567.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Eastern Michigan Bank headquartered?
Eastern Michigan Bank is headquartered in CROSWELL, MI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Eastern Michigan Bank founded?
Eastern Michigan Bank was established in 1895, per the FDIC institution directory.
Is Eastern Michigan Bank FDIC-insured?
Yes. Eastern Michigan Bank is an FDIC-insured commercial bank (FDIC Certificate #982). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Eastern Michigan Bank?
Eastern Michigan Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Eastern Michigan Bank's CET1 capital ratio?
Eastern Michigan Bank reported a Common Equity Tier 1 (CET1) capital ratio of 17.12% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Eastern Michigan Bank operate?
Eastern Michigan Bank operates 13 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Eastern Michigan Bank's Texas Ratio?
Eastern Michigan Bank's Texas Ratio is 2.15% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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