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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Croswell, MI · FDIC certificate #982
EASTERN MICHIGAN BANK is an FDIC-insured institution based in Croswell, MI (FDIC certificate #982). In its Q3 2026 Call Report it reported total assets of $588M, total deposits of $491M and net loans of $188M. Its primary federal regulator is FED.
Reported facts
EASTERN MICHIGAN BANK files quarterly Call Reports with its federal regulator. The schedule explorer below lists every reported field for each filing.
| Latest published filing | Q3 2026 (as of 2026-09-30) |
|---|---|
| FDIC certificate | #982 |
| Primary regulator | FED |
| Official FDIC record | banks.data.fdic.gov/bankfind-suite/financialreporting/details/982 |
Plain-language readout
EASTERN MICHIGAN BANK (FDIC certificate 982) files a Call Report each quarter with its primary federal regulator, FED. The latest filing on record is Q3 2026, as of 2026-09-30.
A Call Report is organized in schedules: the balance sheet and income statement, loans and leases, deposits, securities, past-due and nonaccrual assets, and regulatory capital. The explorer on this page lists every reported field by schedule for each filing.
Quarterly figures are on file for 3 periods, most recently Q3 2026, Q2 2026, Q1 2026.
SEC filings
SEC registrant for the holding company that controls EASTERN MICHIGAN BANK. Figures are consolidated for the holding company, not for the bank alone.
| Measure | Period end | Value |
|---|---|---|
| Total assets | 2026-09-30 | $7.16B |
| Total deposits | 2026-09-30 | $5.61B |
| Stockholders' equity | 2026-09-30 | $743.8M |
| Net interest income (quarter) | 2026-09-30 | $60.9M |
| Net income (quarter) | 2026-09-30 | $24.1M |
Last 12 quarters, through Q3 2026, from the holding company's 10-K and 10-Q filings. Earnings are for the quarter; the fourth quarter is the full year less the first nine months.
| Measure | Q3 2026 | Year over year | Trend |
|---|---|---|---|
| Net interest income (quarter) | $60.9M | +17.1% | |
| Net income (quarter) | $24.1M | +1.3% | |
| Provision for credit losses (quarter) | $700.0K | +250.0% | |
| Efficiency ratio | 59.50% | +3.8 pts | |
| Return on period-end assets (annualised) | 1.34% | -0.2 pts |
| Measure | Q3 2026 | Year over year | Trend |
|---|---|---|---|
| Total assets | $7.16B | +13.5% | |
| Total deposits | $5.61B | +16.6% | |
| Stockholders' equity | $743.8M | +13.1% | |
| Equity to assets | 10.38% | -0.0 pts |
| Form | Filed | Period | Source |
|---|---|---|---|
| 10-Q | 2026-10-30 | 2026-09-30 | SEC.gov |
| 10-Q | 2026-07-31 | 2026-06-30 | SEC.gov |
| 10-Q | 2026-05-01 | 2026-03-31 | SEC.gov |
| 10-K | 2026-02-27 | 2025-12-31 | SEC.gov |
| 10-Q | 2025-10-31 | 2025-09-30 | SEC.gov |
| 10-Q | 2025-08-01 | 2025-06-30 | SEC.gov |
| 10-Q | 2025-05-02 | 2025-03-31 | SEC.gov |
| 10-K | 2025-03-03 | 2024-12-31 | SEC.gov |
| 10-Q | 2024-11-01 | 2024-09-30 | SEC.gov |
| 10-Q | 2024-08-02 | 2024-06-30 | SEC.gov |
| 10-Q | 2024-05-03 | 2024-03-31 | SEC.gov |
| 10-K | 2024-03-01 | 2023-12-31 | SEC.gov |
Source: SEC EDGAR financial statement data sets. The registrant-to-holding-company match is checked automatically against regulatory records.