| Metric | Eaton Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +4.9% | +4.6 pts |
| Deposit growth (YoY) | +6.4% | +4.3% | +2.0 pts |
| Loan growth (YoY) | +11.8% | +5.3% | +6.4 pts |
| ROA | 0.81% | 1.28% | -0.5 pts |
| ROE | 6.7% | 12.4% | -5.8 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $543.5M | $459.0M | $338.0M | $66.2M | $2.2M | 0.81% | 3.55% | 0.77% |
| Q1 2026 | $534.2M | $452.0M | $329.5M | $64.8M | $952K | 0.72% | 3.50% | 0.79% |
| Q4 2025 | $523.8M | $442.0M | $319.6M | $64.4M | $-260K | -0.05% | 3.34% | 1.08% |
| Q3 2025 | $502.6M | $420.3M | $312.0M | $64.3M | $2.0M | 0.55% | 3.33% | 1.15% |
| Q2 2025 | $496.3M | $431.5M | $302.5M | $61.9M | $1.3M | 0.53% | 3.33% | 0.18% |
| Q1 2025 | $503.7M | $439.6M | $286.4M | $61.5M | $645K | 0.52% | 3.36% | 0.09% |
| Q4 2024 | $484.3M | $420.8M | $281.1M | $60.6M | $3.0M | 0.64% | 3.60% | 0.09% |
| Q3 2024 | $483.9M | $419.8M | $272.9M | $61.3M | $2.3M | 0.66% | 3.66% | 0.08% |
Loan mix (Q2 2026): real estate $243.8M · commercial $24.9M · consumer $71.9M · securities $143.6M
| Ratio | Eaton Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 1.28% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 12.4% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.7% | 61.2% | 76th |
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 | Eaton Community 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 | Eaton Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Eaton Community 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 | Eaton Community 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 | Eaton Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
7 branches in 3 counties across 1 state (+0 vs 2024) · $431.5M branch deposits. Biggest market: Eaton, MI, ranked 2nd with 10.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Eaton, MI | 4 | $333.1M | 10.62% | 2nd |
| Ingham, MI | 2 | $73.5M | 0.56% | 22nd |
| Barry, MI | 1 | $24.9M | 2.76% | 9th |
Michigan: 89th with 0.12% · Lansing-East Lansing metro: 13th, 2.25% · Grand Rapids-Wyoming-Kentwood metro: 64th, 0.06% ·
Branch count: 2022 6 · 2023 7 · 2024 7 · 2025 7