Is Eastern Michigan Bank Safe?
Eastern Michigan Bank has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (76/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.20% | 86/100 |
| Nonperforming Loan Ratio | 0.89% | 82/100 |
| Liquidity Ratio | 55.45% | 100/100 |
| Return on Assets | 1.40% | 76/100 |
| Total Assets | $0.6B | |
How does Eastern Michigan Bank compare?
With a Bank Health Score of 87/100, Eastern Michigan Bank sits 17.0 points above the national average of 70/100 for FDIC-insured banks. Within Michigan, where 69 FDIC-insured banks are headquartered, Eastern Michigan Bank ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 13.20% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.89% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Eastern Michigan Bank's Bank Health Score fell by 1.0 points to 87/100. Tier 1 capital strengthened by 0.84 percentage points to 13.20%.
Eastern Michigan Bank has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (76/100).