Eaton Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Eaton Community Bank of Charlotte, 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 | 0.91% | 1.34% | -0.43% | 28th below |
| ROAE | 7.43% | 13.32% | -5.89% | 23rd bottom |
| Net Interest Margin | 3.58% | 3.93% | -0.35% | 31st below |
| Efficiency Ratio | 67.49% | 61.14% | +6.35% | 34th below |
| PPNR / Avg Assets | 1.23% | 1.68% | -0.45% | 30th below |
| Yield on Earning Assets | 5.42% | 5.67% | -0.25% | 41st below |
| Cost of Funds | 1.92% | 1.88% | +0.04% | 42nd below |
| Net Interest Spread | 3.19% | 3.32% | -0.13% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.34% | 0.94% | +0.40% | 21st bottom |
| NPA / Total Assets | 0.84% | 0.70% | +0.14% | 25th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 25th below |
| ACL / Total Loans | 0.90% | 1.28% | -0.38% | 17th bottom |
| ACL / NPLs (Coverage) | 67.18% | 1539.52% | -1472.34% | 17th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.65% | 7.33% | -0.68% | 33rd below |
| Provision / NCO | 6.69% | 1396.60% | -1389.91% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.89% | 12.14% | +0.75% | 74th above |
| Equity / Assets | 12.18% | 11.37% | +0.81% | 72nd above |
| TCE / Tangible Assets | 12.17% | 11.09% | +1.08% | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.32% | 80.64% | -6.32% | 63rd above |
| Core Deposit Ratio | 76.68% | 86.87% | -10.19% | 10th bottom |
| Wholesale Funding Ratio | 2.76% | 5.03% | -2.27% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.50% | 6.85% | +2.65% | 81st top |
| Loan Growth (Y/Y) | 11.70% | 7.90% | +3.80% | 79th top |
| Deposit Growth (Y/Y) | 6.37% | 6.29% | +0.08% | 67th above |
See Eaton Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Eaton Community 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 Eaton Community Bank profile, how to read a UBPR, or how this data updates.