Charlotte, MI · Cert 29846 · Eaton Fed Mutual Holding Co.
State savings bank · OCC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
48
Asset Quality
14
Profitability
32
Liquidity
80
Efficiency
41
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Charlotte, MI · Cert 29846 · Eaton Fed Mutual Holding Co.
State savings bank · OCC · 7 branches
Q2 2026
Market Position · Lansing-East Lansing, MI · 2026 SOD (annual) · 3.5% share · #9 of 18 inst. · $0.4B of $12.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.64% | 0.52% | 0.53% | 0.55% | -0.05% | 0.72% | 0.81% | +28 bps | |
| Return on Equity | 5.36% | 5.14% | 4.23% | 4.31% | 4.40% | -0.42% | 5.89% | 6.66% | +235 bps | |
| Net Interest Margin | 3.22% | 3.16% | 3.01% | 3.01% | 2.98% | 2.97% | 3.16% | 3.21% | +21 bps | |
| Efficiency Ratio | 72.97% | 76.46% | 81.05% | 79.38% | 78.35% | 78.80% | 73.97% | 70.74% | -863 bps | |
| Non-Interest Burden | 2.25% | 2.35% | 2.37% | 2.30% | 2.24% | 2.25% | 2.22% | 2.13% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.57% | 8.01% | 9.20% | 3.20% | 3.86% | 8.15% | 6.05% | 9.50% | +631 bps | |
| Loan Growth (YoY) | 20.81% | 22.23% | 18.31% | 14.90% | 14.15% | 14.21% | 14.97% | 11.70% | -320 bps | |
| Deposit Growth (YoY) | 21.80% | 23.87% | 12.27% | 5.23% | 0.11% | 5.05% | 2.83% | 6.37% | +113 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.15% | 0.16% | 0.29% | 1.83% | 1.75% | 1.27% | 1.23% | +95 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.03% | 0.05% | 0.04% | 0.05% | 2.05% | 1.03% | +98 bps | |
| Allowance / Loans | 1.11% | 0.99% | 0.98% | 0.95% | 0.95% | 1.45% | 0.91% | 0.90% | -5 bps | |
| Allowance Coverage of NPLs | 8.4x | 6.6x | 6.3x | 3.3x | 0.5x | 0.8x | 0.7x | 0.7x | -2.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.93% | 13.90% | 13.60% | 13.82% | 13.77% | 13.09% | 12.77% | 12.89% | -94 bps | |
| Total Risk-Based Capital | 13.93% | 13.90% | 13.60% | 13.82% | 13.77% | 13.09% | 12.77% | 12.89% | -94 bps | |
| Equity / Assets | 12.66% | 12.50% | 12.22% | 12.47% | 12.80% | 12.30% | 12.13% | 12.18% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.73% | 67.48% | 65.80% | 70.77% | 74.95% | 73.36% | 73.57% | 74.32% | +355 bps | |
| Liquid Assets / Assets | 2.35% | 2.25% | 6.52% | 2.13% | 1.78% | 2.35% | 3.16% | 1.68% | -45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 160.26% | 175.21% | 170.82% | n/a | n/a | |
Charlotte, MI · Cert 29846 · Peer group: banks under $1B in assets (n=581-629) · Eaton Fed Mutual Holding Co.
State savings bank · OCC · 7 branches
Q2 2026
Return on Assets
0.80%
Rank 417 of 629
Net Interest Margin
3.21%
Rank 425 of 629
Efficiency Ratio
71.44%
Rank 372 of 629
Equity / Assets
12.18%
Rank 218 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.80% | 0.60% | 1.01% | 1.45% | Beats 34% | 417 / 629 | n/a | |
| Return on Equity | 6.55% | 5.38% | 9.30% | 13.28% | Beats 31% | 437 / 629 | n/a | |
| Net Interest Margin | 3.21% | 3.03% | 3.54% | 4.05% | Beats 32% | 425 / 629 | n/a | |
| Efficiency Ratio | 71.44% | 58.35% | 67.79% | 79.08% | Beats 41% | 372 / 629 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.23% | 0.09% | 0.46% | 1.20% | Beats 25% | 439 / 581 | n/a | |
| Net Charge-Offs / Loans | 0.53% | n/a | 0.01% | 0.06% | Beats 3% | 564 / 581 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.89% | 11.24% | 13.84% | 18.77% | Beats 42% | 366 / 629 | n/a | |
| Total Risk-Based Capital Ratio | 12.89% | 11.58% | 14.43% | 19.66% | Beats 37% | 395 / 629 | n/a | |
| Equity / Assets | 12.18% | 9.09% | 10.65% | 13.80% | Beats 65% | 218 / 629 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.32% | 67.24% | 80.90% | 93.48% | 38th pctl | 371 / 594 | n/a | |
| Loans / Assets | 62.77% | 53.31% | 67.71% | 78.15% | 40th pctl | 378 / 629 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||