| Metric | Eastern Michigan Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +4.9% | +4.8 pts |
| Deposit growth (YoY) | +0.7% | +4.3% | -3.7 pts |
| Loan growth (YoY) | -6.7% | +5.3% | -12.1 pts |
| ROA | 1.42% | 1.28% | +0.1 pts |
| ROE | 8.3% | 12.4% | -4.2 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $553.6M | $453.7M | $192.0M | $97.8M | $4.0M | 1.42% | 4.82% | 0.22% |
| Q1 2026 | $567.8M | $470.2M | $195.8M | $96.8M | $2.0M | 1.39% | 4.74% | 0.13% |
| Q4 2025 | $571.8M | $475.4M | $201.3M | $95.8M | $0 | 0.00% | 0.00% | 0.18% |
| Q3 2025 | $560.1M | $503.0M | $204.8M | $54.8M | $5.7M | 1.45% | 4.06% | 0.19% |
| Q2 2025 | $504.5M | $450.7M | $205.8M | $51.6M | $3.6M | 1.42% | 4.08% | 0.20% |
| Q1 2025 | $512.5M | $460.8M | $199.5M | $49.6M | $1.6M | 1.22% | 3.96% | 0.36% |
| Q4 2024 | $520.8M | $471.1M | $217.3M | $47.5M | $7.4M | 1.35% | 3.82% | 0.37% |
| Q3 2024 | $548.6M | $499.1M | $217.9M | $47.6M | $5.0M | 1.20% | 3.60% | 0.36% |
Loan mix (Q2 2026): real estate $146.8M · commercial $20.7M · consumer $12.9M · securities $179.0M
| Ratio | Eastern Michigan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.28% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 12.4% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.82% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.6% | 61.2% | 15th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Eastern Michigan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Eastern Michigan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Eastern Michigan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Eastern Michigan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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