Eaton Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3.54 percentage points lower than in Q1 2026, at 67.18%. Eaton Community Bank ranks 51st of 72 Michigan banks on return on assets, in the lower half at 0.91% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Eaton Community Bank sits 0.35 points lower, at 0.91% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.89% |
| Equity capital to assets | 12.18% |
| Tangible equity to tangible assets | 12.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.34% |
| Non-performing assets ratio | 0.84% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 6.65% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | 67.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.91% |
| Return on equity | 7.43% |
| Net interest margin | 3.58% |
| Efficiency ratio | 67.49% |
| Yield on earning assets | 5.42% |
| Cost of funds | 1.92% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.32% |
| Core deposits to total deposits | 76.68% |
| Brokered deposits to total deposits | 15.24% |
| Deposits to assets | 84.46% |
| Securities to assets | 26.43% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.23% | 0.65% | 3.74% | 0.49% | 0.06% |
| Q4 2023 | 14.58% | 1.09% | 3.89% | 0.59% | 0.04% |
| Q1 2024 | 14.38% | 0.42% | 3.63% | 0.45% | 0.14% |
| Q2 2024 | 13.83% | 0.63% | 3.49% | 0.39% | -0.06% |
| Q3 2024 | 13.93% | 0.93% | 3.60% | 0.37% | -0.01% |
| Q4 2024 | 13.90% | 0.56% | 3.34% | 0.34% | -0.05% |
| Q1 2025 | 13.60% | 0.52% | 3.25% | 0.29% | 0.03% |
| Q2 2025 | 13.82% | 0.55% | 3.22% | 0.41% | 0.06% |
| Q3 2025 | 13.77% | 0.58% | 3.25% | 1.90% | 0.03% |
| Q4 2025 | 13.09% | -1.80% | 3.26% | 1.85% | 0.08% |
| Q1 2026 | 12.77% | 0.71% | 3.43% | 1.28% | 2.10% |
| Q2 2026 | 12.89% | 0.91% | 3.58% | 1.34% | 0.05% |
Eaton Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Eaton Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Eaton Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29846) · FFIEC NIC profile (RSSD 980773)