Eaton Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Eaton Community Bank is an FDIC-insured savings institution headquartered in Charlotte, MI, established in 1936 (FDIC certificate 29846), and it is supervised by the OCC. At Q2 2026 it reported total assets of $543.5M, up 9.5% from Q2 2025, the 31st largest of 72 banks headquartered in Michigan. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.89% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29846
- Headquarters
- Charlotte, MI
- Established
- 1936
- Total assets, Q2 2026
- $543.5M
- Assets vs Q2 2025
- +9.5%
- Tier 1 leverage ratio, Q2 2026
- 12.89%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 272471166
- Latest call report
- Q2 2026, FFIEC 051 · Eaton Community Bank call report
- Holding company
- EATON FEDERAL STOCK HOLDING COMPANY
- Asset rank in state
- 31st of 72 in Michigan
Problem loans are rising at Eaton Community Bank. Based in Charlotte, Michigan, it had $543 million in assets at June 30, 2026, up 9.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.23% of loans from 0.29% a year earlier. It returns 7.4% a year on shareholders' equity, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also grew its loan book 11.7% over the year, about double the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $1.2 million, 80% above the same quarter a year earlier. Delinquency has appeared in its $39 million non-owner-occupied commercial real estate book: 8.08% of those loans are past due or on nonaccrual, against almost none a year earlier. One more trend to watch: loans are outrunning deposits: over the year loans rose 11.7% and deposits rose 6.4%.
As of June 30, 2026, Eaton Community Bank reported a return on assets of 0.91%, a nonperforming-loan ratio of 1.23% and a Texas ratio of 6.07%. The figures come from its call report filed with the FFIEC.
Of the 72 banks headquartered in Michigan, Eaton Community Bank is the 31st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.7% to $543.5M, loans rose 2.6% and deposits rose 1.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 36.3% of total loans, followed by owner-occupied commercial real estate loans at 14.9%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities in MI; its Charlotte office books 41% of its branch deposits. By the capital ratios in its Q2 2026 call report, Eaton Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 236 S Cochran Ave, Charlotte, MI 48813
- County
- Eaton
- Metro Area
- Lansing-East Lansing, MI
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1936
- Former names
- Eaton Federal Savings Bank (1987-2020)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 86
- Domestic deposits
- $459.0M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $1.8M
- Average total assets
- $537.5M
- Average total loans
- $335.4M
- Average interest-bearing deposits
- $396.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29846
- Fed RSSD
- 980773
- Website
- www.eaton.bank →
- Parent Holding Company
- EATON FEDERAL STOCK HOLDING COMPANY (RSSD 5444944)
- Ultimate Parent
- EATON FEDERAL MUTUAL HOLDING COMPANY (RSSD 5444935)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Eaton Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Eaton Community Bank's total assets ranged from $441.7M (Q3 2023) to $543.5M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$543.5M total assets against $496.3M; $477.2M total liabilities against $434.4M.
$338.0M net loans and leases against $302.5M; $459.0M total deposits against $431.5M.
$143.6M securities against $132.1M; $20.9M cash and balances due against $21.2M.
$6.7M total interest income against $6.1M; $2.3M total interest expense against $2.4M.
$4.4M net interest income against $3.7M.
$817K total noninterest income against $726K; $3.6M total noninterest expense against $3.5M.
$105K provision for credit losses against $90K.
$1.2M net income against $677K.
0.91% return on assets against 0.55%; 3.58% net interest margin against 3.22%.
12.89% tier 1 leverage ratio against 13.82%.
Inside the full Eaton Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeEaton Community Bank rankings
Its closest position to the top of a national ranking is 1,109 of 3,640, for Texas Ratio; its furthest is 2,699 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.80% (Q4 2025) to 0.93% (Q3 2024) and its net interest margin ran from 3.22% (Q2 2025) to 3.60% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.89% | 0.91% | 1.23% | 6.07% | 3.58% |
| Q1 2026 | 12.77% | 0.71% | 1.27% | 6.22% | 3.43% |
| Q4 2025 | 13.09% | -1.80% | 1.75% | 8.22% | 3.26% |
| Q3 2025 | 13.77% | 0.58% | 1.83% | 8.59% | 3.25% |
| Q2 2025 | 13.82% | 0.55% | 0.29% | 1.35% | 3.22% |
| Q1 2025 | 13.60% | 0.52% | 0.16% | 0.70% | 3.25% |
| Q4 2024 | 13.90% | 0.56% | 0.15% | 0.67% | 3.34% |
| Q3 2024 | 13.93% | 0.93% | 0.13% | 0.57% | 3.60% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Eaton Community Bank (main office) | Charlotte , MI | 48813 | $189.0M |
| 307 South Main Branch | Eaton Rapids , MI | 48827 | $82.0M |
| Stockbridge Branch | Stockbridge , MI | 49285 | $71.1M |
| Grand Ledge Branch | Grand Ledge , MI | 48837 | $59.2M |
| 109 S Main Branch | Nashville , MI | 49073 | $25.8M |
| 103 S Main Branch | Olivet , MI | 49076 | $24.9M |
| East Lansing Branch | East Lansing , MI | 48823 | $7.0M |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2018 | Structure Change | Acquired SSBBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MI, rank 44 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 185 applications, 120 loans originated, $26.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $706K approved, $353K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Eaton Community Bank
What are Eaton Community Bank's total assets?
As of the Q2 2026 filing, Eaton Community Bank reported total assets of $543.5 million in its FFIEC call report.
Where is Eaton Community Bank headquartered?
It is headquartered in Charlotte, MI, United States.
When was Eaton Community Bank founded?
It was established in 1936, per the FDIC institution directory.
Is Eaton Community Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29846). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Eaton Community Bank?
Eaton Community Bank's primary federal regulator is the OCC.
How many branches does Eaton Community Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Eaton Community Bank's Texas Ratio?
Its Texas Ratio is 6.07% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Eaton Community Bank previously called?
The charter now named Eaton Community Bank has also operated as Eaton Federal Savings Bank (1987-2020), per FDIC structure-change records.
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