BlastPoint's Banking Scorecard

Eastern Michigan Bank

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

Croswell, MI

13 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 +0.7% year over year ($453.7M on the books).
Delinquency rate 0.64%.
Return on assets 1.42%.
Efficiency ratio 48.60% vs a 64.48% peer average.
Loan-to-deposit ratio 42.33% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 47 in MI

View $100M-$1B leaderboard (MI) →

Eastern Michigan Bank has 4 strengths but faces 1 concern

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 0.10% above tier average
+ Net Interest Margin 0.83% above tier average
+ Efficiency Ratio 15.88% below tier average
+ Delinquency Rate 0.28% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 38.0% in tier

Get updates when Eastern Michigan Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$553.6M +9.7% YoY -2.5% QoQ	+$167.1M	$386.6M +1.2% YoY	$1.0B +6.5% YoY	$6.3B +7.7% YoY	77%
Total Loans ?	$192.0M -6.7% YoY -1.9% QoQ	-$66.3M	$258.3M +1.7% YoY	$767.2M +9.2% YoY	$3.2B +9.4% YoY	46%
Total Deposits ?	$453.7M +0.7% YoY -3.5% QoQ	+$126.9M	$326.7M +0.7% YoY	$806.0M +5.9% YoY	$4.9B +7.3% YoY	75%
Return on Assets ?	1.42% -0.4% YoY +2.3% QoQ	+0.10%	1.32% +10.8% YoY	1.18% +20.1% YoY	1.30% +12.1% YoY	60%
Net Interest Margin ?	4.82% +17.9% YoY +1.6% QoQ	+0.83%	3.99% +5.0% YoY	4.06% +4.7% YoY	3.95% +4.9% YoY	Top 11.6% in tier
Efficiency Ratio ?	48.60% -20.1% YoY -0.9% QoQ	-15.88%	64.48% -3.2% YoY	65.90% -5.4% YoY	70.05% +2.5% YoY	Top 14.1% in tier
Delinquency Rate ?	0.64% +33.5% YoY +64.6% QoQ	-0.28%	0.92% +15.7% YoY	0.85% +32.2% YoY	0.98% +16.3% YoY	40%
Loan-to-Deposit Ratio ?	42.33% -7.3% YoY +1.7% QoQ	-35.62%	77.95% +1.0% YoY	80.02% +3.0% YoY	79.03% +2.3% YoY	Top 5.0% in tier
Non-Interest-Bearing Deposit Share ?	29.77% +5.7% YoY +15.0% QoQ	+7.74%	22.03% -0.6% YoY	25.55% -0.4% YoY	21.98% -0.6% YoY	81%
Nonperforming Asset Ratio ?	0.22% +13.5% YoY +65.6% QoQ	-0.45%	0.67% +16.4% YoY	0.65% +27.6% YoY	0.69% +15.8% YoY	58%
Tier 1 Capital Ratio ?	19.57% +16.2% YoY +14.3% QoQ	+3.66%	15.91% +1.4% YoY	20.80% -0.9% YoY	17.09% +0.8% YoY	Top 14.7% in tier
Non-Interest Income / Assets ?	0.20% +4.7% YoY +112.7% QoQ	-0.36%	0.57% +7.6% YoY	0.38% +3.3% YoY	0.66% +5.2% YoY	51%

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	29.8% +1.6pp YoY +3.9pp QoQ	+7.6pp	22.1%	25.9%	22.2%	81%
Brokered Deposits	n/a	n/a	7.9%	12.3%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
C&I	10.8% +0.7pp YoY +0.3pp QoQ	-0.8pp	11.6%	12.8%	12.5%	57%
CRE	44.2% +2.6pp YoY +1.4pp QoQ	+4.6pp	39.5%	45.9%	41.4%	60%
1-4 Family	16.2% +0.4pp YoY +0.3pp QoQ	-16.4pp	32.6%	33.6%	31.3%	22%
Consumer	6.7% -3.1pp YoY -0.7pp QoQ	+2.6pp	4.1%	4.6%	5.0%	84%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
CET1 Ratio	19.6% +2.7pp YoY +2.4pp QoQ	+0.7pp	18.8%	26.9%	19.7%	76%
Leverage Ratio	12.0% +1.2pp YoY +1.5pp QoQ	-0.2pp	12.2%	12.3%	12.6%	65%
Total Capital Ratio	20.3% +2.7pp YoY +2.4pp QoQ	+0.4pp	19.9%	27.9%	20.8%	75%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Full-Time Employees	86 -6 (-6.5%) YoY +4 (+4.9%) QoQ	+27	58	134	482	81%
Assets per Employee ($)	$6.4M +17.4% YoY -7.0% QoQ	-$1.1M	$7.5M	$6.8M	$8.8M	41%
Branch Count	13 0 YoY 0 QoQ	+8	4	9	18	96%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.6% +0.2pp YoY +0.3pp QoQ	-0.3pp	0.9%	0.8%	1.0%	59%
Allowance Coverage	1.84x -25.4% YoY -40.3% QoQ	-22.31x	24.15x	6.79x	20.23x	45%
Net Charge-off Rate (YTD)	-0.1% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	4%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
ROE	8.3% -6.5pp YoY +0.1pp QoQ	-3.9pp	12.2%	11.7%	11.6%	27%
Cost of Funds (YTD)	0.5% 0.0pp YoY 0.0pp QoQ	-1.3pp	1.7%	1.5%	1.7%	2%
Net Income ($, YTD)	$4.0M +9.7% YoY — QoQ	+$1.4M	$2.6M	$7.3M	$40.4M	80%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Credit Quality Pressure

risk

#478 of 1256 • Bottom 38.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.64%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

132

Loan-to-Deposit Ratio

liquidity

Value: 42.33%

Peer Median: 77.95%

#132 of 2643 Top 5.0% in $100M-$1B

307

Net Interest Margin

profitability

Value: 4.82%

Peer Median: 3.99%

#307 of 2643 Top 11.6% in $100M-$1B

374

Efficiency Ratio

profitability

Value: 48.60%

Peer Median: 64.48%

#374 of 2643 Top 14.1% in $100M-$1B

389

Tier 1 Capital Ratio

capital

Value: 19.57%

Peer Median: 15.91%

#389 of 2643 Top 14.7% in $100M-$1B

496

Non-Interest-Bearing Deposit Share

funding

Value: 29.77%

Peer Median: 22.03%

#496 of 2643 Top 18.7% in $100M-$1B

617

Total Assets

size

Value: $553.62M

Peer Median: $386.57M

#617 of 2643 Top 23.3% in $100M-$1B

654

Total Deposits

size

Value: $453.66M

Peer Median: $326.73M

#654 of 2643 Top 24.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available