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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 (FDIC certificate #982) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $588M |
|---|---|
| Total deposits | $491M |
| Net loans and leases | $188M |
| Return on assets | 1.34% |
| Return on equity | 7.94% |
| Net interest margin | 4.75% |
| Quarterly asset change | 6.14% |
| Quarterly deposit change | 8.24% |
Plain-language readout
EASTERN MICHIGAN BANK in Croswell, MI reported total assets of $588M, total deposits of $491M and net loans of $188M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 1.34%, a return on equity of 7.94%, a net interest margin of 4.75%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $588M | $491M | $188M | 1.34% | 7.94% | 4.75% |
| Q2 2026 | $554M | $454M | $192M | 1.42% | 8.27% | 4.82% |
| Q1 2026 | $568M | $470M | $196M | 1.39% | 8.21% | 4.74% |
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