BlastPoint's Banking Scorecard
Eastern Michigan Bank
Community
Specialty: Other
MI
FDIC cert 982
Croswell, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
Eastern Michigan Bank faces 4 concerns 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 1.16% below tier
- - Net Interest Margin 3.66% below tier
- - Loan-to-Deposit Ratio 40.72% below tier
- - Non-Interest Income / Assets 0.74% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$571.8M
+9.8% YoY
+2.1% QoQ
|
-$819.7M |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$201.3M
-7.3% YoY
-1.7% QoQ
|
-$774.2M |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$475.4M
+0.9% YoY
-5.5% QoQ
|
-$689.2M |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-1.16% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-3.66% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-62.63% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? |
0.51%
-42.5% YoY
-1.5% QoQ
|
-0.12% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
42.34%
-8.2% YoY
+4.0% QoQ
|
-40.72% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.14%
+4.1% YoY
-2.8% QoQ
|
+7.09% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.18%
-51.5% YoY
-5.1% QoQ
|
-0.32% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
15.69%
+3.7% YoY
-13.5% QoQ
|
+5.45% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.74% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 3.66%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Community
Why this stands out
Current:
42.34%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.74%, National avg: 0.65%)
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
81
81th pctile
Tier 1 Capital Ratio
Current: 15.69% · Tier avg: 10.24%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.14% · Tier avg: 21.05%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
46
46th pctile
Delinquency Rate
Current: 0.51% · Tier avg: 0.63%
10
10th pctile
Total Assets
Current: $571.8M · Tier avg: $1.4B
9
9th pctile
Total Deposits
Current: $475.4M · Tier avg: $1.2B
3
3th pctile
Return on Assets
Current: 0.00% · Tier avg: 1.16%
2
2th pctile
Loan-to-Deposit Ratio
Current: 42.34% · Tier avg: 83.06%
1
1th pctile
Total Loans
Current: $201.3M · Tier avg: $975.5M
0
0th pctile
Non-Interest Income / Assets
Current: 0.00% · Tier avg: 0.74%
0
0th pctile
Net Interest Margin
Current: 0.00% · Tier avg: 3.66%
Top Weaknesses
0
0th pctile
Net Interest Margin
Current: 0.00% · Tier avg: 3.66%
0
0th pctile
Non-Interest Income / Assets
Current: 0.00% · Tier avg: 0.74%
1
1th pctile
Total Loans
Current: $201.3M · Tier avg: $975.5M
2
2th pctile
Loan-to-Deposit Ratio
Current: 42.34% · Tier avg: 83.06%
3
3th pctile
Return on Assets
Current: 0.00% · Tier avg: 1.16%
9
9th pctile
Total Deposits
Current: $475.4M · Tier avg: $1.2B
10
10th pctile
Total Assets
Current: $571.8M · Tier avg: $1.4B
46
46th pctile
Delinquency Rate
Current: 0.51% · Tier avg: 0.63%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.14% · Tier avg: 21.05%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.69% · Tier avg: 10.24%