Eastern Michigan Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings climbed 102.6% in Q2 2026, from $2.0M to $4.0M. It was the largest change from Q1 2026 among the key lines here. Eastern Michigan Bank ranks 8th of 43 Michigan banks on CET1 ratio, in the upper half at 19.57% (Q2 2026). Eastern Michigan Bank reported 19.57% on CET1 ratio for Q2 2026, 4.50 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.57% |
| Tier 1 risk-based capital ratio | 19.57% |
| Total risk-based capital ratio | 20.29% |
| Tier 1 leverage ratio | 11.99% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $61.9M |
| Tier 1 capital | $61.9M |
| Total risk-based capital | $64.2M |
| Total equity capital | $97.8M |
| Risk-weighted assets | $316.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.66% |
| Tangible equity to tangible assets | 10.99% |
| Equity capital to average assets | 17.64% |
| Internal capital growth rate | 8.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.6M |
| Common stock surplus | $94.2M |
| Retained earnings | $4.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.36% | 12.36% | 13.03% | 8.90% | $390.1M |
| Q4 2023 | 12.76% | 12.76% | 13.43% | 9.04% | $388.6M |
| Q1 2024 | 12.98% | 12.98% | 13.66% | 8.55% | $385.1M |
| Q2 2024 | 13.20% | 13.20% | 13.92% | 8.98% | $390.1M |
| Q3 2024 | 13.84% | 13.84% | 14.60% | 8.94% | $378.1M |
| Q4 2024 | 15.13% | 15.13% | 15.91% | 10.17% | $358.2M |
| Q1 2025 | 16.14% | 16.14% | 16.93% | 10.38% | $338.2M |
| Q2 2025 | 16.85% | 16.85% | 17.58% | 10.77% | $332.5M |
| Q3 2025 | 18.14% | 18.14% | 18.93% | 10.86% | $317.3M |
| Q4 2025 | 15.69% | 15.69% | 16.41% | 10.74% | $332.7M |
| Q1 2026 | 17.12% | 17.12% | 17.84% | 10.45% | $323.5M |
| Q2 2026 | 19.57% | 19.57% | 20.29% | 11.99% | $316.3M |
Eastern Michigan Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Eastern Michigan Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Eastern Michigan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 982) · FFIEC NIC profile (RSSD 643340)