Eaton Community Bank
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
$543.5MAssets
$341.1MLoans
$459.0MDeposits
$66.2MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 65% of banks under $1B in assets (rank 218 of 629).
- Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets (rank 564 of 581).
- Overall: at or above the peer median on 1 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $11.4M · efficiency ratio beats 41% of banks under $1B in assets | 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 |