Eaton Community Bank: how it compares with its peers
Against 34 MI banks with half to twice its assets, Eaton Community Bank's strongest measure in Q2 2026 is assets per employee ($6.3M vs. a $6.0M peer median). Its weakest relative measure is net interest margin (3.55% vs. 4.14%).
| Measure | Eaton Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.81% | 1.28% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.55% | 4.14% | Bottom third Ahead of 15% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.74% | 63.80% | Middle third Ahead of 35% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $6.0M | Middle third Ahead of 59% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.65% | 76.66% | Context |
What it means for lending operations
Its efficiency ratio of 70.74% is above the 63.80% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Commercial Bank Ithaca, MI · $553M
- Eastern Michigan Bank Croswell, MI · $554M
- Central Savings Bank Sault Sainte Marie, MI · $517M
- Grand River Bank Grandville, MI · $507M
- Citizens State Bank Royal Oak, MI · $581M
- Highpoint Community Bank Hastings, MI · $592M
Questions about Eaton Community Bank
How big is Eaton Community Bank?
Eaton Community Bank, established in 1936, is headquartered in Charlotte, MI. It reported $543M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Eaton Community Bank's return on assets?
0.81% annualized in Q2 2026, against a 1.28% median for 34 MI banks with half to twice its assets, ahead of 24% of them.
What is Eaton Community Bank's efficiency ratio?
70.74% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 63.80%, and lower is better.
Is Eaton Community Bank growing its loans?
Net loans grew 11.8% over the year to Q2 2026, while deposits grew 6.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Michigan bank ranked.