Eaton Community Bank
Charlotte, MI
IDRSSD: 980773
Total Assets
$523.76M
Latest filing
Total Deposits
$442.02M
Latest filing
Net Interest Margin
3.41%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
272471166CHARLOTTE, MI
Key People
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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 01/30/2026Established 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 | 01/30/2026 |
| CERT | 29846 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $523.76M |
| Total Deposits | $442.02M |
| Total Liabilities | $459.37M |
| Total Equity Capital | $64.40M |
| Net Income | $-2,310,000 |
| Net Loans and Leases | $319.56M |
| Assets Per Employee ($Millions) | $5.82M |
| Bank Premises and Fixed Assets | $11.36M |
| Cash and Balances due from Depository Institutions | $21.73M |
| Deposits Held in Domestic Offices | $442.02M |
Key Performance Ratios
| Return on Assets (ROA) | -1.8% |
| Return on Equity (ROE) | -14.35% |
| Net Interest Margin | 3.41% |
| Efficiency Ratio | 80.11% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.39% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.295% |
| Earning Assets to total Assets | 90.72% |
Income and Expense
| Total Interest Income | $6.34M |
| Total Noninterest Income | $681.00k |
| Total Interest Expense | $2.38M |
| Total Noninterest Expense | $3.75M |
| Net Interest Income | $3.96M |
| Pre-tax Net Operating Income | $-891,000 |
| Provision for Credit Losses | $1.78M |
| 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 | $15.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.91M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.35M |
| Total Liabilities and Capital | $523.76M |
Securities
| Securities | $140.39M |
| Available-for-sale debt securities | $140.39M |
| 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 Eaton Community Bank?
$523.76M as of the latest filing.
How much are Eaton Community Bank's total deposits?
$442.02M in total deposits.
Where is Eaton Community Bank located?
Charlotte, MI.
What is the Net Interest Margin?
3.41%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1936.
What is the Return on Assets (ROA)?
-1.8%.
How much are total loans and leases?
$319.56M (latest filing).
What is the total interest income (latest filing)?
$6.34M.