Bank call report · Croswell, MI
Eastern Michigan Bank Call Report
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Eastern Michigan Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 368 reported line items, schedule by schedule (880 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 643340 |
| FDIC certificate number | 982 |
| Total assets | $553.6M |
Official Q2 2026 call report PDF (FFIEC) →
Eastern Michigan Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Eastern Michigan Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $553.6M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $553.6M |
| Total Liabilities and Minority Interest | RCON2948 | $455.8M |
| Total Deposits | RCON2200 | $453.7M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $318.6M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $194.3M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $192.0M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $179.0M |
| Deposits: Noninterest-bearing | RCON6631 | $135.1M |
| Interest-bearing Balances | RCON0071 | $101.6M |
| Total Equity Capital | RCON3210 | $97.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $97.8M |
| Surplus | RCON3839 | $94.2M |
| Intangible Assets | RCON2143 | $41.9M |
| Goodwill | RCON3163 | $24.2M |
| Other Assets | RCON2160 | $21.8M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $9.5M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $7.4M |
| Undivided Profits and Capital Reserves | RCON3632 | $4.0M |
| Allowance for Loan and Lease Losses | RCON3123 | $2.3M |
| Other Liabilities, Total | RCON2930 | $2.2M |
| Accumulated Other Comprehensive Income | RCONB530 | -$2.0M |
| Common Stock | RCON3230 | $1.6M |
| Federal Funds Sold | RCONB987 | $307K |
Schedule RI: Income Statement (41 items)
About Schedule RI · Eastern Michigan Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $12.9M |
| Net Interest Income | RIAD4074 | $11.8M |
| Total Noninterest Expense | RIAD4093 | $8.0M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $6.8M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $5.0M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $5.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $4.0M |
| Net Income (Loss) | RIAD4340 | $4.0M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $4.0M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $3.8M |
| Salaries and Employee Benefits | RIAD4135 | $3.5M |
| Other Noninterest Expense | RIAD4092 | $2.1M |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $1.8M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $1.8M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1.6M |
| Interest on Other Securities | RIAD4060 | $1.6M |
| Total Interest Expense | RIAD4073 | $1.1M |
| Total Noninterest Income | RIAD4079 | $1.1M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.0M |
| Applicable Income Taxes | RIAD4302 | $1.0M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $1.0M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $895K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $798K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $705K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $653K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $628K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $494K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $427K |
| Other Noninterest Income | RIADB497 | $361K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $210K |
| Provision for Loan and Lease Losses | RIAD4230 | -$200K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$200K |
| Other Interest Income | RIAD4518 | $107K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $99K |
| Net Servicing Fees | RIADB492 | $60K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $47K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $34K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $17K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $15K |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $6K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 86 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $111.1M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $61.5M |
| Balances Due from Federal Reserve Banks | RCON0090 | $42.1M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $5.3M |
| Currency and Coin | RCON0080 | $2.2M |
Schedule RC-B: Securities (36 items)
About Schedule RC-B · Eastern Michigan Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $1.9M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $1.9M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $11.8M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $11.6M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $34.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $33.2M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $181.6M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $55.8M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $55.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $49.4M |
| Pledged Securities | RCON0416 | $41.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $40.0M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $38.8M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $38.4M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $34.4M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $32.7M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $32.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $30.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $26.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $10.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $8.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $6.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $4.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $2.2M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $2.2M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $1.9M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $1.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :All Other Commercial MBS: Available-for-sale Amortized Cost | RCONK156 | $1.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :All Other Commercial MBS: Available-for-sale Fair Value | RCONK157 | $1.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $1.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $498K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $338K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $337K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $68K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $51K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $1K |
Schedule RC-C, Part I: Loans and Leases (37 items)
About Schedule RC-C, Part I · Eastern Michigan Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $194.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $63.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $53.4M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $51.0M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $46.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $35.7M |
| Real Estate Loans Secured by Farmland | RCON1420 | $30.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $21.7M |
| Commercial and Industrial Loans | RCON1766 | $20.7M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $20.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $19.2M |
| Pledged Loans and Leases | RCONG378 | $15.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $13.6M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $12.3M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $11.9M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $11.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $8.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $7.4M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $6.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $5.3M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $5.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $4.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $4.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $3.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $1.1M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $1.1M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $994K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $984K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $696K |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $593K |
| Other Loans | RCONJ464 | $593K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $451K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $439K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $255K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $147K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $12K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $1K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $17.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $7.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $6.8M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $6.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $3.0M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $2.4M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $2.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.2M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $1.2M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $1.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $828K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $628K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 54 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 51 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 49 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 44 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 36 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 32 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 26 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 25 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 24 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 22 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 14 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 8 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · Eastern Michigan Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $294.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $294.7M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $196.3M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $158.9M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $156.3M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $98.4M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $92.5M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $51.3M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $12.5M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $6.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $5.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $5.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $4.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $2.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $2.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $1.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $1.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $782K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $767K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $530K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $252K |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $251K |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $103K |
Schedule RC-F: Other Assets (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $9.8M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $4.4M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $3.5M |
| Accrued Interest Receivable | RCONB556 | $2.1M |
| Net Deferred Tax Assets | RCON2148 | $1.2M |
| Other Assets | RCON2168 | $844K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $511K |
| Prepaid Expenses | RCON2166 | $268K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $1.2M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $1.1M |
| Other Expenses Accrued and Unpaid | RCON3646 | $937K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $26K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $10K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Eastern Michigan Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $554.3M |
| Quarterly Average of Total Loans | RCON3360 | $198.4M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $164.8M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $148.6M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $117.1M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $95.3M |
| All Other Securities | RCONB560 | $79.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $56.1M |
| Mortgage-backed Securities | RCONB559 | $53.6M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $31.9M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $21.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $14.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $14.1M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $11.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $924K |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $834K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · Eastern Michigan Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Purchased OTC Interest Rate Option Contracts | RCON8713 | $30.0M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $30.0M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $22.2M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $19.1M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $19.1M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $11.4M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $1.2M |
| Performance Standby Letters of Credit | RCON3821 | $498K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $125K |
Schedule RC-M: Memoranda (4 items)
About Schedule RC-M · Eastern Michigan Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All other intangible assets | RCONJF76 | $17.3M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $386K |
| Mortgage Servicing Assets | RCON3164 | $386K |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $15K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (19 items)
About Schedule RC-N · Eastern Michigan Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.2M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $718K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $613K |
| Additions to Nonaccrual Assets | RCONC410 | $504K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual | RCONK116 | $454K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $303K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $210K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $159K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : Commercial and Industrial Loans - to US Addressees - Nonaccrual | RCONK122 | $159K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $159K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $134K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 30 Through 89 Days and Still Accruing | RCONK036 | $134K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 30 Through 89 Days and Still Accruing | RCONK039 | $100K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $99K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $92K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $58K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $28K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $19K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $13K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Eastern Michigan Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $552.6M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $453.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $251.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $197.1M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $57.3M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $4.8M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $266K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 19,385 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 442 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 247 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Eastern Michigan Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $316.3M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Eastern Michigan Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $554.3M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $516.4M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $316.3M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $97.8M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $95.8M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $64.2M |
| Common Equity Tier 1 Capital | RCOAP859 | $61.9M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $61.9M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $61.9M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $37.9M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $24.2M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $13.7M |
| Retained Earnings | RCOAKW00 | $4.0M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $2.3M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $2.3M |
| Tier 2 Capital Before Deductions | RCOAP870 | $2.3M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$2.0M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$2.0M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.2029 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1957 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1957 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1229 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1199 |
Schedule RC-R, Part II: Risk-Weighted Assets (62 items)
About Schedule RC-R, Part II · Eastern Michigan Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $316.3M |
| Total Risk-weighted Assets | RCONG641 | $316.3M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $267.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $267.2M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $247.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $186.1M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $186.1M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $179.0M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $163.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $154.6M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $111.1M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $103.5M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $79.2M |
| Total All Other Assets | RCOND981 | $71.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $60.8M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $60.8M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $60.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $58.1M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $57.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $57.1M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $40.7M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $32.7M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $30.4M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $30.1M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $30.0M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $30.0M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $28.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $15.8M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $11.6M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $11.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $11.4M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $8.5M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $7.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $7.9M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $7.6M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$4.8M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $4.4M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $4.4M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $4.4M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $3.3M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$2.5M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $1.9M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $1.7M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $1.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $1.1M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $1.1M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $1.1M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $965K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $703K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $498K |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $386K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $386K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $386K |
| Federal Funds Sold in Domestic Offices | RCOND971 | $307K |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $307K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 20 Pct Risk Weight Category | RCONG603 | $249K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $249K |
| Financial Standby Letters of Credit - 20 Pct Risk Weight Category | RCOND994 | $125K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $125K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $125K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $99K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $19K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $37.4M |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $97.8M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $95.8M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $95.8M |
| Other Comprehensive Income | RIADB511 | -$2.0M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (6 items)
About Schedule RI-B, Part I · Eastern Michigan Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $65K |
| Recoveries on Loans Secured by Farmland | RIAD3585 | $39K |
| Recoveries on Automobile Loans | RIADK133 | $12K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $9K |
| Recoveries on All Other Loans | RIAD4628 | $5K |
| Recoveries on Loans to Finance Agricultural Production and Other Loans to Farmers | RIAD4665 | $5K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Eastern Michigan Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $2.4M |
| Allowance for Loan and Lease Losses | RIAD3123 | $2.3M |
| Allowance for credit losses on other financial assets measured at amortized cost | RCONJJ03 | -$26K |
Schedule RI-E: Explanations (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $512K |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $338K |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $293K |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $260K |
Eastern Michigan Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Eastern Michigan Bank call report?
The Eastern Michigan Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Eastern Michigan Bank file?
Eastern Michigan Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Eastern Michigan Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Eastern Michigan Bank has Federal Reserve RSSD ID 643340 and FDIC certificate number 982. Either one finds its filings on the FFIEC Central Data Repository.
How often does Eastern Michigan Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Eastern Michigan Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 982) · FFIEC NIC profile (RSSD 643340)