Eastern Michigan Bank
Croswell, MI
IDRSSD: 643340
Total Assets
$571.78M
Latest filing
Total Deposits
$475.44M
Latest filing
Net Interest Margin
4.15%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Eastern Michigan Bank
65 N Howard Ave
Croswell, MI 48422
Limited Service - Administrative
Updated 01/30/2026Established 12/04/1895FDIC Certificate 646
Branches (12)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Eastern Michigan Bank (Main) | 65 N Howard Ave | Croswell, MI |
| RUTH BRANCH | 7004 E Atwater Rd | Ruth, MI |
| LEXINGTON BRANCH | 5446 Main St | Lexington, MI |
| LAKEPORT BRANCH | 7090 Lakeshore Rd | Lakeport, MI |
| LOAN CENTER BRANCH | 66 N Howard Ave | Croswell, MI |
| PORT HURON BRANCH | 600 Water St | Port Huron, MI |
| SANDUSKY AREA BRANCH | 324 S Elk St | Sandusky, MI |
| DECKERVILLE BRANCH | 3636 Main St | Deckerville, MI |
Showing 7 of 12
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 12/04/1895 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 48422 |
| State and County Number | 26151 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 86 |
| Domestic Offices | 13 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.emb.bank |
| Data Updated | 01/30/2026 |
| CERT | 982 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $571.78M |
| Total Deposits | $475.44M |
| Total Liabilities | $475.99M |
| Total Equity Capital | $95.78M |
| Net Income | $2.73M |
| Net Loans and Leases | $201.32M |
| Assets Per Employee ($Millions) | $6.65M |
| Bank Premises and Fixed Assets | $7.48M |
| Cash and Balances due from Depository Institutions | $103.68M |
| Deposits Held in Domestic Offices | $475.44M |
Key Performance Ratios
| Return on Assets (ROA) | 1.93% |
| Return on Equity (ROE) | 14.49% |
| Net Interest Margin | 4.15% |
| Efficiency Ratio | 101.35% |
| Tier 1 Risk-Based Capital Ratio | 15.692% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.752% |
| Earning Assets to total Assets | 87.05% |
Income and Expense
| Total Interest Income | $5.82M |
| Total Noninterest Income | $532.00k |
| Total Interest Expense | $507.00k |
| Total Noninterest Expense | $5.93M |
| Net Interest Income | $5.31M |
| Pre-tax Net Operating Income | $-9,000 |
| Provision for Credit Losses | $-77,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $765.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $551.00k |
| Total Liabilities and Capital | $571.78M |
Securities
| Securities | $198.37M |
| Available-for-sale debt securities | $198.37M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Eastern Michigan Bank?
$571.78M as of the latest filing.
How much are Eastern Michigan Bank's total deposits?
$475.44M in total deposits.
Where is Eastern Michigan Bank located?
Croswell, MI.
What is the Net Interest Margin?
4.15%.
How many domestic offices does it operate?
13.
When was it established?
12/04/1895.
What is the Return on Assets (ROA)?
1.93%.
How much are total loans and leases?
$201.32M (latest filing).
What is the total interest income (latest filing)?
$5.82M.