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Eastern Michigan Bank
Croswell, MI · FDIC Certificate #982 · Chartered 12/0
Total assets
$553.62M
Total deposits
$453.66M
Total equity
$97.78M
Net loans
$192.02M
Branches (offices)
12
Net income (YTD)
$4.00M
Rank: #1,657 of 4,213 U.S. banks by assets · #29 of 72 in Michigan. Assets changed 9.7% and deposits 0.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.42% |
| Return on equity | 8.27% |
| Net interest margin (YTD) | 4.82% |
| Equity to assets | 17.66% |
| Tier 1 leverage ratio | 11.99% |
| Uninsured deposits (share of deposits) | 29.8% |
| Noncurrent loans (share of loans) | 0.63% |
| Net charge-offs (share of loans) | -0.07% |
| Loans to deposits | 42.3% |
| Real estate loans (share of loans) | 76.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $146.80M | 76.4% | |
| Commercial & industrial | $20.69M | 10.8% | |
| Consumer / individual | $12.91M | 6.7% | |
| Construction & development | $7.07M | 3.7% | |
| Agricultural | $12.30M | 6.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $548.83M | $517.17M | $1.48M | $31.25M |
| Jun 2023 | $512.12M | $476.51M | $3.09M | $34.37M |
| Jun 2024 | $558.65M | $462.84M | $3.10M | $42.96M |
| Jun 2025 | $504.54M | $450.68M | $3.65M | $51.58M |
| Jun 2026 | $553.62M | $453.66M | $4.00M | $97.78M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $453.66M | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $453.66M.
Similar-sized banks
Luminate Bank ($554.51M) · First Federal Savings Bank ($553.58M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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