Eaton Community Bank
Asset quality shifted last quarter — NPLs fell to 1.28% from 1.85% in the prior period. Operating from Charlotte, MI, Eaton Community Bank serves its local market as an FDIC-insured commercial bank. On its most recent Q1 2026 call report, Eaton Community reported $534M in total assets against $452M in deposits. Returns are in line with industry norms at 0.72% ROA and 5.89% ROE; net interest margin is 3.43%. Under the simplified Community Bank Leverage Ratio framework, leverage of 12.84% exceeds the 9% CBLR threshold. Credit metrics are in line with industry norms — 1.28% NPL ratio. 7 branches make up the footprint.
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
- Fed District
- 9
- Established
- January 1, 1936
- Branches
- 7 domestic
- Employees (FTE)
- 88
- FDIC Cert
- 29846
- Fed RSSD
- 980773
- Website
- www.eaton.bank →
- Parent Holding Company
- EATON FEDERAL STOCK HOLDING COMPANY (RSSD 5444944)
Inside the full Eaton Community Bank terminal
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Eaton Community 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
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about Eaton Community Bank
What are Eaton Community Bank's total assets?
As of the Q1 2026 filing, Eaton Community Bank reported total assets of $534.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Eaton Community Bank headquartered?
Eaton Community Bank is headquartered in CHARLOTTE, MI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Eaton Community Bank founded?
Eaton Community Bank was established in 1936, per the FDIC institution directory.
Is Eaton Community Bank FDIC-insured?
Yes. Eaton Community Bank is an FDIC-insured commercial bank (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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Eaton Community Bank operate?
Eaton Community Bank operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Eaton Community Bank's Texas Ratio?
Eaton Community Bank's Texas Ratio is 6.84% — 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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