Eastern Michigan Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Eastern Michigan Bank of Croswell, MI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.46% | 1.34% | +0.12% | 61st above |
| ROAE | 8.34% | 13.32% | -4.98% | 27th below |
| Net Interest Margin | 4.83% | 3.93% | +0.90% | 89th top |
| Efficiency Ratio | 48.09% | 61.15% | -13.06% | 84th top |
| PPNR / Avg Assets | 1.78% | 1.68% | +0.10% | 61st above |
| Yield on Earning Assets | 5.27% | 5.67% | -0.40% | 34th below |
| Cost of Funds | 0.46% | 1.88% | -1.42% | 98th top |
| Net Interest Spread | 4.63% | 3.32% | +1.31% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.86% | 0.94% | -0.08% | 31st below |
| NPA / Total Assets | 0.30% | 0.70% | -0.40% | 51st above |
| NCO / Avg Loans | -0.03% | 0.16% | -0.19% | 93rd top |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 46th below |
| ACL / NPLs (Coverage) | 134.86% | 1539.50% | -1404.64% | 37th below |
| Texas Ratio | 2.87% | 7.33% | -4.46% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.57% | 19.50% | +0.07% | 76th top |
| Tier 1 Ratio | 19.57% | 19.54% | +0.03% | 76th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.29% | 20.62% | -0.33% | 74th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.99% | 12.14% | -0.15% | 65th above |
| Equity / Assets | 17.66% | 11.37% | +6.29% | 94th top |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.99% | 11.09% | -0.10% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 42.83% | 80.66% | -37.83% | 95th top |
| Core Deposit Ratio | 99.83% | 86.85% | +12.98% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.73% | 6.85% | +2.88% | 82nd top |
| Loan Growth (Y/Y) | -6.72% | 7.91% | -14.63% | 5th bottom |
| Deposit Growth (Y/Y) | 0.66% | 6.29% | -5.63% | 27th below |
See Eastern Michigan Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Eastern Michigan Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Eastern Michigan Bank profile, how to read a UBPR, or how this data updates.