Eaton Community Bank

BankCharlotte, Michigan
www.eaton.bank

Total Assets

$523.8M

Total Deposits

$442.0M

Branches

7

Established

1936

TFS Health Grade

$
D-

62.4 / 100

Below average financial health

How we grade

Eaton Community Bank is a bank headquartered in Charlotte, Michigan, established in 1936. With $523.8M in total assets and 7 branch locations, it has a TFS Financial Health Grade of D- (62.4/100).

Capital & Safety

Tier 1 Capital Ratio
13.09%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.75%

Profitability

Return on Assets (ROA)
-0.05%(1%)
Return on Equity (ROE)
-0.42%(10%)
Net Interest Margin
3.34%
Efficiency Ratio
78.80%(60%)

Lending & Liquidity

Total Loans
$324.3M
Loan-to-Deposit Ratio
72.30%
Net Charge-Off Ratio
0.05%

Growth

Asset Growth (YoY)
+8.15%
Deposit Growth (YoY)
+5.05%
Net Income
$-260,000

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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