BlastPoint's Banking Scorecard
Eaton Community Bank
Charlotte, MI
7 branches across MI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 47 in MI.
- Deposits +6.4% year over year ($459.0M on the books).
- Delinquency rate 1.24%.
- Return on assets 0.81%.
- Efficiency ratio 70.74% vs a 64.48% peer average.
- Loan-to-deposit ratio 73.65% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Eaton Community Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.51% below tier average
- - Net Interest Margin 0.44% below tier average
- - Efficiency Ratio 6.27% above tier average
- - Delinquency Rate 0.33% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$543.5M
+9.5% YoY
+1.7% QoQ
|
+$156.9M |
$386.6M
+1.2% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
76% |
| Total Loans ? |
$338.0M
+11.8% YoY
+2.6% QoQ
|
+$79.7M |
$258.3M
+1.7% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
72% |
| Total Deposits ? |
$459.0M
+6.4% YoY
+1.5% QoQ
|
+$132.3M |
$326.7M
+0.7% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
76% |
| Return on Assets ? |
0.81%
+52.1% YoY
+12.9% QoQ
|
-0.51% |
1.32%
+10.8% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
24% |
| Net Interest Margin ? |
3.55%
+6.7% YoY
+1.6% QoQ
|
-0.44% |
3.99%
+5.0% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
30% |
| Efficiency Ratio ? |
70.74%
-10.9% YoY
-4.4% QoQ
|
+6.27% |
64.48%
-3.2% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
28% |
| Delinquency Rate ? |
1.24%
+330.5% YoY
-2.6% QoQ
|
+0.33% |
0.92%
+15.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
73.65%
+5.1% YoY
+1.0% QoQ
|
-4.31% |
77.95%
+1.0% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
13.71%
-5.0% YoY
+0.6% QoQ
|
-8.32% |
22.03%
-0.6% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.77%
+339.4% YoY
-1.8% QoQ
|
+0.10% |
0.67%
+16.4% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
12.89%
-6.8% YoY
+0.9% QoQ
|
-3.02% |
15.91%
+1.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.29%
+2.0% YoY
+103.7% QoQ
|
-0.28% |
0.57%
+7.6% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
71% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.7%
-0.7pp YoY +0.1pp QoQ |
-8.4pp | 22.1% | 25.9% | 22.2% | 19% |
| Brokered Deposits |
15.2%
+1.0pp YoY +1.6pp QoQ |
+7.4pp | 7.9% | 12.3% | 8.5% | 85% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.4%
+4.1pp YoY +2.3pp QoQ |
-4.2pp | 11.6% | 12.8% | 12.5% | 35% |
| CRE |
34.9%
-1.6pp YoY -0.4pp QoQ |
-4.7pp | 39.5% | 45.9% | 41.4% | 43% |
| 1-4 Family |
36.7%
-2.9pp YoY -1.6pp QoQ |
+4.0pp | 32.6% | 33.6% | 31.3% | 65% |
| Consumer |
21.3%
+0.4pp YoY -0.4pp QoQ |
+17.2pp | 4.1% | 4.6% | 5.0% | 98% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 26.9% | 19.7% | n/a |
| Leverage Ratio |
12.9%
-0.9pp YoY +0.1pp QoQ |
+0.7pp | 12.2% | 12.3% | 12.6% | 74% |
| Total Capital Ratio | n/a | n/a | 19.9% | 27.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
86
-2 (-2.3%) YoY -2 (-2.3%) QoQ |
+27 | 58 | 134 | 482 | 81% |
| Assets per Employee ($) |
$6.3M
+12.1% YoY +4.1% QoQ |
-$1.2M | $7.5M | $6.8M | $8.8M | 39% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 9 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY -0.1pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.4% | 11% |
| Nonaccrual |
1.2%
+1.0pp YoY +0.1pp QoQ |
+0.3pp | 0.9% | 0.8% | 1.0% | 77% |
| Allowance Coverage |
0.73x
-78.0% YoY +2.2% QoQ |
-23.42x | 24.15x | 6.79x | 20.23x | 18% |
| Net Charge-off Rate (YTD) |
1.1%
+1.0pp YoY -1.0pp QoQ |
+0.9pp | 0.1% | 0.1% | 0.2% | 97% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.7%
+2.4pp YoY +0.8pp QoQ |
-5.5pp | 12.2% | 11.7% | 11.6% | 19% |
| Cost of Funds (YTD) |
1.9%
-0.2pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.5% | 1.7% | 64% |
| Net Income ($, YTD) |
$2.2M
+64.1% YoY — QoQ |
-$386K | $2.6M | $7.3M | $40.4M | 56% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.