Total Assets
$524M
Total balance-sheet footings
FDIC Cert #29846 · Charlotte, Michigan · Est. 1936
Eaton Community Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $524M
- Total assets
- C
- Health grade · Fair
- -0.05%
- Return on assets
- 13.1%
- Tier 1 capital
Data updated July 2026
The verdict
Eaton Community Bank earns a PlainBankData health grade of C (55/100), with well-capitalized at 13.09% Tier 1, -0.05% ROA, 79% efficiency ratio.
- #1,729
- largest of 4,313 FDIC banks by assets
- 60th
- percentile by asset size, nationally
- 13.09%
- Tier 1 ratio - above the 10% well-capitalized line
- 5th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Eaton Community Bank's 55/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Eaton Community Bank's composite health score
Tier 1 Capital Ratio (13.09%) 35/40
Return on Assets (ROA) (-0.05%) 0/25
Texas Ratio (8.20%) 16/20
Efficiency Ratio (78.80%) 4/15
55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$442M
Customer-funded liabilities
Net Loans
$320M
Outstanding loan book
Net Income
$-260K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Eaton Community Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Eaton Community Bank's score of 55/100 falls in the highlighted band.
Eaton Community 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). Eaton Community Bank's $524M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.09% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.09%
Texas Ratio
8.20%
Equity Capital
$64M
Profitability metrics
Return on Assets (ROA)
5th percentile nationally
-0.05%
Return on Equity (ROE)
-0.42%
Efficiency Ratio
78.80%
What the numbers say about Eaton Community Bank
Eaton Community Bank is an FDIC-insured institution (Certificate #29846) headquartered in Charlotte, Michigan, established in 1936. It holds $524M in total assets - 1,729th of 4,313 FDIC-insured banks, $442M in customer deposits, and $320M in net loans. On safety, its Tier 1 capital ratio of 13.09% is above the 10% well-capitalized threshold, and its Texas Ratio of 8.20% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (55/100), 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, Eaton Community Bank ranks 31st of 73 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$25M
Interest Income
$3M
Non-Interest Income
$14M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Eaton Community Bank reports a Texas Ratio of 8.20% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
8.20% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Eaton Community Bank
Eaton Community Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-260K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Eaton Community Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Michigan by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Eaton Community Bank (FDIC Cert #29846) - 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 Eaton Community Bank's health grade?▼
Eaton Community Bank receives a health grade of C (55/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Eaton Community Bank?▼
Eaton Community Bank holds $524M in total assets and $442M in deposits, ranking 1,729th of 4,313 FDIC-insured banks by asset size. It is headquartered in Charlotte, Michigan.
Is my money safe at Eaton Community Bank?▼
Yes, deposits at Eaton Community Bank (Certificate #29846) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Eaton Community Bank's Tier 1 Capital Ratio?▼
Eaton Community Bank has a Tier 1 Capital Ratio of 13.09%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Eaton Community Bank?▼
Eaton Community Bank has a Texas Ratio of 8.20%. 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 Eaton Community Bank?▼
Eaton Community Bank has an Efficiency Ratio of 78.80%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Eaton Community Bank's profile as a depositor or analyst.
- Eaton Community Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Eaton Community 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.