Total Assets
$572M
Total balance-sheet footings
FDIC Cert #982 · Croswell, Michigan · Est. 1895
Eastern Michigan Bank - FDIC Bank Health Profile
A community-scale look at Eastern Michigan Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $572M
- Total assets
- A
- Health grade · Excellent
- 0.00%
- Return on assets
- 15.7%
- Tier 1 capital
Data updated July 2026
The verdict
Eastern Michigan Bank earns a PlainBankData health grade of A (82/100), with well-capitalized at 15.69% Tier 1, 0.00% ROA, efficient (0% cost ratio).
- #1,629
- largest of 4,313 FDIC banks by assets
- 62nd
- percentile by asset size, nationally
- 15.69%
- Tier 1 ratio - above the 10% well-capitalized line
- 5th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Eastern Michigan Bank's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Eastern Michigan Bank's composite health score
Tier 1 Capital Ratio (15.69%) 40/40
Return on Assets (ROA) (0.00%) 7/25
Texas Ratio (1.04%) 20/20
Efficiency Ratio (0.00%) 15/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$475M
Customer-funded liabilities
Net Loans
$201M
Outstanding loan book
Net Income
$0K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Eastern Michigan Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Eastern Michigan Bank's score of 82/100 falls in the highlighted band.
Eastern Michigan Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Eastern Michigan Bank's $572M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.69% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.69%
Texas Ratio
1.04%
Equity Capital
$96M
Profitability metrics
Return on Assets (ROA)
5th percentile nationally
0.00%
Return on Equity (ROE)
0.00%
Efficiency Ratio
0.00%
What the numbers say about Eastern Michigan Bank
Eastern Michigan Bank is an FDIC-insured institution (Certificate #982) headquartered in Croswell, Michigan, established in 1895. It holds $572M in total assets - 1,629th of 4,313 FDIC-insured banks, $475M in customer deposits, and $201M in net loans. On safety, its Tier 1 capital ratio of 15.69% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.04% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (82/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Michigan, Eastern Michigan Bank ranks 28th of 73 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Eastern Michigan Bank reports a Texas Ratio of 1.04% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.04% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Michigan by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Eastern Michigan Bank (FDIC Cert #982) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Michigan
All Michigan banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Northpointe BankGrand Rapids | $7.0B | B | 1.39% |
| First National Bank of AmericaEast Lansing | $6.7B | A | 2.94% |
| Mercantile BankGrand Rapids | $6.2B | A | 1.61% |
| Independent BankGrand Rapids | $5.5B | B | 1.33% |
| ChoiceOne BankSparta | $4.4B | B | 0.79% |
| Macatawa Bank, National AssociationHolland | $3.7B | A | 1.39% |
| Bank of Ann ArborAnn Arbor | $3.3B | A | 1.72% |
| Isabella BankMount Pleasant | $2.2B | B | 1.02% |
Frequently asked questions
What is Eastern Michigan Bank's health grade?▼
Eastern Michigan Bank receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Eastern Michigan Bank?▼
Eastern Michigan Bank holds $572M in total assets and $475M in deposits, ranking 1,629th of 4,313 FDIC-insured banks by asset size. It is headquartered in Croswell, Michigan.
Is my money safe at Eastern Michigan Bank?▼
Yes, deposits at Eastern Michigan Bank (Certificate #982) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Eastern Michigan Bank's Tier 1 Capital Ratio?▼
Eastern Michigan Bank has a Tier 1 Capital Ratio of 15.69%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Eastern Michigan Bank?▼
Eastern Michigan Bank has a Texas Ratio of 1.04%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Eastern Michigan Bank?▼
Eastern Michigan Bank has an Efficiency Ratio of 0.00%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Eastern Michigan Bank's profile as a depositor or analyst.
- Eastern Michigan Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Eastern Michigan Bank against other Michigan banks before moving funds. Michigan banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.