BlastPoint's Banking Scorecard
Eaton Community Bank
Charlotte, MI
7 branches across MI
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 0.55% below tier average
- - Net Interest Margin 0.43% below tier average
- - Efficiency Ratio 8.69% above tier average
- - Delinquency Rate 0.39% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$534.2M
+6.0% YoY
+2.0% QoQ
|
+$148.1M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
75% |
| Total Loans ? |
$329.5M
+15.1% YoY
+3.1% QoQ
|
+$73.8M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
72% |
| Total Deposits ? |
$452.0M
+2.8% YoY
+2.3% QoQ
|
+$124.1M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
75% |
| Return on Assets ? |
0.72%
+37.8% YoY
|
-0.55% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
22% |
| Net Interest Margin ? |
3.50%
+4.1% YoY
+4.6% QoQ
|
-0.43% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
30% |
| Efficiency Ratio ? |
73.97%
-8.7% YoY
-6.1% QoQ
|
+8.69% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
24% |
| Delinquency Rate ? |
1.28%
+711.4% YoY
-28.0% QoQ
|
+0.39% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
72.90%
+11.9% YoY
+0.8% QoQ
|
-3.74% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
13.63%
-7.0% YoY
-4.5% QoQ
|
-8.39% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.79%
+780.2% YoY
-27.2% QoQ
|
+0.15% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
12.84%
-5.6% YoY
-1.9% QoQ
|
-2.99% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.14%
+4.6% YoY
-73.3% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
71% |
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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.