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Eaton Community Bank
Charlotte, MI · FDIC Certificate #29846 · Chartered 01/0
Total assets
$543.45M
Total deposits
$459.01M
Total equity
$66.22M
Net loans
$338.04M
Branches (offices)
7
Net income (YTD)
$2.17M
Rank: #1,688 of 4,213 U.S. banks by assets · #31 of 72 in Michigan. Assets changed 9.5% and deposits 6.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.81% |
| Return on equity | 6.66% |
| Net interest margin (YTD) | 3.55% |
| Equity to assets | 12.18% |
| Tier 1 leverage ratio | 12.89% |
| Uninsured deposits (share of deposits) | 13.2% |
| Noncurrent loans (share of loans) | 1.23% |
| Net charge-offs (share of loans) | 1.05% |
| Loans to deposits | 73.6% |
| Real estate loans (share of loans) | 72.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $243.78M | 72.1% | |
| Commercial & industrial | $24.88M | 7.4% | |
| Consumer / individual | $71.90M | 21.3% | |
| Construction & development | $7.17M | 2.1% | |
| Agricultural | $495.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $438.39M | $359.52M | $1.57M | $49.65M |
| Jun 2023 | $441.05M | $342.96M | $1.67M | $52.03M |
| Jun 2024 | $480.91M | $410.07M | $1.22M | $57.80M |
| Jun 2025 | $496.29M | $431.54M | $1.32M | $61.89M |
| Jun 2026 | $543.45M | $459.01M | $2.17M | $66.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $459.01M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $459.01M.
Similar-sized banks
Bank Of Texas ($543.56M) · Austin County State Bank ($542.96M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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