Eaton Community Bank
Charlotte, MI
IDRSSD: 980773
Total Assets
$502.64M
Latest filing
Total Deposits
$420.32M
Latest filing
Net Interest Margin
3.35%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Eaton Community Bank
236 S Cochran Ave
Charlotte, MI 48813
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1936FDIC Certificate 42680
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Eaton Community Bank (Main) | 236 S Cochran Ave | Charlotte, MI |
| 307 SOUTH MAIN BRANCH | 307 S Main St | Eaton Rapids, MI |
| 109 S MAIN BRANCH | 109 S Main St | Nashville, MI |
| 103 S MAIN BRANCH | 103 S Main St | Olivet, MI |
| GRAND LEDGE BRANCH | 500 S Clinton St | Grand Ledge, MI |
| STOCKBRIDGE BRANCH | 122 W Main St | Stockbridge, MI |
| EAST LANSING BRANCH | 1390 W Lake Lansing Rd | East Lansing, MI |
Showing 6 of 6
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 | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1936 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 48813 |
| State and County Number | 26045 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Lansing-East Lansing, MI |
Operational Info
| Number of Employees | 88 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/09/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.eaton.bank |
| Data Updated | 11/14/2025 |
| CERT | 29846 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $502.64M |
| Total Deposits | $420.32M |
| Total Liabilities | $438.29M |
| Total Equity Capital | $64.35M |
| Net Income | $728.00k |
| Net Loans and Leases | $312.03M |
| Assets Per Employee ($Millions) | $5.71M |
| Bank Premises and Fixed Assets | $11.42M |
| Cash and Balances due from Depository Institutions | $16.19M |
| Deposits Held in Domestic Offices | $420.32M |
Key Performance Ratios
| Return on Assets (ROA) | 0.58% |
| Return on Equity (ROE) | 4.61% |
| Net Interest Margin | 3.35% |
| Efficiency Ratio | 76.32% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.802% |
| Earning Assets to total Assets | 90.39% |
Income and Expense
| Total Interest Income | $6.21M |
| Total Noninterest Income | $705.00k |
| Total Interest Expense | $2.43M |
| Total Noninterest Expense | $3.47M |
| Net Interest Income | $3.79M |
| Pre-tax Net Operating Income | $901.00k |
| Provision for Credit Losses | $126.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $15.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.72M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.97M |
| Total Liabilities and Capital | $502.64M |
Securities
| Securities | $127.68M |
| Available-for-sale debt securities | $127.68M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Eaton Community Bank?
$502.64M as of the latest filing.
How much are Eaton Community Bank's total deposits?
$420.32M in total deposits.
Where is Eaton Community Bank located?
Charlotte, MI.
What is the Net Interest Margin?
3.35%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1936.
What is the Return on Assets (ROA)?
0.58%.
How much are total loans and leases?
$312.03M (latest filing).
What is the total interest income (latest filing)?
$6.21M.