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 Eastern Michigan Bank
Eastern Michigan Bank
| RSSD ID 643340 | CERTIFICATE 982 | ABA NUMBER 72404058 |
| 65 N Howard Ave |
Quarter Ended : |
2025-09-30 |
| Croswell, Michigan, 48422 |
Updated : |
2025-10-16 |
| www.emb.bank |
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| Institution Profile |
| Year Opened : |
1895 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
041 |
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| Specialization : |
All Other Under 1 Billion |
| Number of Offices : |
13 |
Number of Employees : |
86 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 560,064 |
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Total Interest Income | 16,508 |
| Total Liabilities | 505,244 |
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Total NonInterest Income | 1,551 |
| Total Bank Equity Capital | 54,820 |
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Total Interest Expense | 1,529 |
| Total Deposits | 502,975 |
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Total NonInterest Expense | 9,850 |
| Net Loans & Leases | 204,822 |
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Net Income | 5,716 |
| Loan Loss Allowance | 2,493 |
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Net Charge Offs | (7) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 60,055 |
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Total loans | 206,775 |
| Total assets for the leverage ratio | 530,158 |
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Loans secured by real estate: | 151,709 |
| Tier 1 Leverage Ratio | 10.86 |
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Commercial and industrial loans | 19,767 |
| Tier 1 Capital Ratio | 18.14 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 18.93 |
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Loans to individuals - Other | 19,682 |
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:· Eastern Michigan Bank
