BlastPoint's Banking Scorecard
Eaton Community Bank
Community
Specialty: Other
MI
FDIC cert 29846
Charlotte, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
Eaton Community Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.22% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$523.8M
+8.2% YoY
+4.2% QoQ
|
-$867.7M |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$319.6M
+13.7% YoY
+2.4% QoQ
|
-$655.9M |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$442.0M
+5.1% YoY
+5.2% QoQ
|
-$722.6M |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
-0.05%
-108.1% YoY
-109.4% QoQ
|
-1.22% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
3.34%
-7.2% YoY
+0.3% QoQ
|
-0.32% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
78.80%
+3.1% YoY
+0.6% QoQ
|
+16.17% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
1.77%
-4.1% QoQ
|
+1.15% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
72.29%
+8.2% YoY
-2.6% QoQ
|
-10.77% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
14.27%
-10.0% YoY
+1.7% QoQ
|
-6.77% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
1.08%
-5.8% QoQ
|
+0.58% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.53%
+25.3% YoY
+26.8% QoQ
|
-0.21% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Return on Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
-0.05%
(Tier avg: 1.16%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
77
77th pctile
Loan-to-Deposit Ratio
Current: 72.29% · Tier avg: 83.06%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
32
32th pctile
Net Interest Margin
Current: 3.34% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.27% · Tier avg: 21.05%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.08% · Tier avg: 0.50%
12
12th pctile
Delinquency Rate
Current: 1.77% · Tier avg: 0.63%
12
12th pctile
Efficiency Ratio
Current: 78.80% · Tier avg: 62.63%
6
6th pctile
Total Loans
Current: $319.6M · Tier avg: $975.5M
4
4th pctile
Total Deposits
Current: $442.0M · Tier avg: $1.2B
4
4th pctile
Total Assets
Current: $523.8M · Tier avg: $1.4B
3
3th pctile
Return on Assets
Current: -0.05% · Tier avg: 1.16%
Top Weaknesses
3
3th pctile
Return on Assets
Current: -0.05% · Tier avg: 1.16%
4
4th pctile
Total Assets
Current: $523.8M · Tier avg: $1.4B
4
4th pctile
Total Deposits
Current: $442.0M · Tier avg: $1.2B
6
6th pctile
Total Loans
Current: $319.6M · Tier avg: $975.5M
12
12th pctile
Efficiency Ratio
Current: 78.80% · Tier avg: 62.63%
12
12th pctile
Delinquency Rate
Current: 1.77% · Tier avg: 0.63%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.08% · Tier avg: 0.50%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.27% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Net Interest Margin
Current: 3.34% · Tier avg: 3.66%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
77
77th pctile
Loan-to-Deposit Ratio
Current: 72.29% · Tier avg: 83.06%