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Eastern Michigan Bank

$100M-$1B Specialty: Other MI FDIC cert 982

Croswell, MI

13 branches across MI

2664 banks in the $100M-$1B peer group nationally 46 in MI
View $100M-$1B leaderboard (MI) →

Eastern Michigan Bank shows strong momentum with 4 strengths and 10.8% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.12% above tier average
  • + Net Interest Margin 0.81% above tier average
  • + Efficiency Ratio 16.22% below tier average
  • + Delinquency Rate 0.50% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Eastern Michigan Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Total Assets ? $567.8M
+10.8% YoY -0.7% QoQ
+$181.8M $386.1M
+0.5% YoY
$993.6M
+8.4% YoY
$6.2B
+9.1% YoY
78%
Total Loans ? $195.8M
-1.9% YoY -2.8% QoQ
-$60.0M $255.7M
+1.1% YoY
$752.3M
+12.4% YoY
$3.2B
+10.8% YoY
47%
Total Deposits ? $470.2M
+2.1% YoY -1.1% QoQ
+$142.2M $328.0M
+0.1% YoY
$797.0M
+7.4% YoY
$4.8B
+8.2% YoY
77%
Return on Assets ? 1.39%
+14.0% YoY
+0.12% 1.27%
+12.9% YoY
1.15%
+25.2% YoY
1.23%
+13.4% YoY
61%
Net Interest Margin ? 4.74%
+19.8% YoY
+0.81% 3.93%
+6.0% YoY
3.99%
+5.8% YoY
3.89%
+5.7% YoY
Top 12.1% in tier
Efficiency Ratio ? 49.07%
-22.9% YoY
-16.22% 65.29%
-4.5% YoY
66.95%
-6.2% YoY
66.95%
-4.1% YoY
Top 14.4% in tier
Delinquency Rate ? 0.39%
-58.6% YoY -23.3% QoQ
-0.50% 0.89%
+18.8% YoY
0.77%
+21.7% YoY
0.95%
+18.8% YoY
51%
Loan-to-Deposit Ratio ? 41.63%
-3.9% YoY -1.7% QoQ
-35.01% 76.64%
+0.8% YoY
78.66%
+4.9% YoY
76.70%
+0.9% YoY
Top 4.9% in tier
Non-Interest-Bearing Deposit Share ? 25.90%
-6.3% YoY -8.0% QoQ
+3.88% 22.02%
-1.0% YoY
24.69%
-2.1% YoY
22.01%
-1.2% YoY
69%
Nonperforming Asset Ratio ? 0.13%
-63.3% YoY -24.9% QoQ
-0.50% 0.64%
+19.7% YoY
0.58%
+27.6% YoY
0.67%
+19.3% YoY
66%
Tier 1 Capital Ratio ? 17.12%
+6.0% YoY +9.1% QoQ
+1.29% 15.83%
+1.5% YoY
20.91%
+0.5% YoY
17.06%
+0.8% YoY
77%
Non-Interest Income / Assets ? 0.10%
+2.9% YoY
-0.18% 0.28%
+9.3% YoY
0.19%
+5.8% YoY
0.32%
+4.1% YoY
49%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

131
Loan-to-Deposit Ratio
liquidity
Value: 41.63%
Peer Median: 76.64%
#131 of 2664 Top 4.9% in $100M-$1B
324
Net Interest Margin
profitability
Value: 4.74%
Peer Median: 3.93%
#324 of 2664 Top 12.1% in $100M-$1B
384
Efficiency Ratio
profitability
Value: 49.07%
Peer Median: 65.29%
#384 of 2664 Top 14.4% in $100M-$1B
588
Total Assets
size
Value: $567.84M
Peer Median: $386.08M
#588 of 2664 Top 22.0% in $100M-$1B
602
Tier 1 Capital Ratio
capital
Value: 17.12%
Peer Median: 15.83%
#602 of 2664 Top 22.6% in $100M-$1B
620
Total Deposits
size
Value: $470.21M
Peer Median: $327.97M
#620 of 2664 Top 23.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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