Eaton Community Bank (FDIC #29846): Bank Stress & Real-Estate Credit Exposure
Eaton Community Bank (FDIC Cert #29846): bank stress 67/100, elevated, STABLE over 7 days; parent EATON FED MUTUAL HOLDING CO.
Eaton Community Bank (#29846) lends in 3 counties across 1 state; Eaton Community Bank (#29846) reaches 46 ZIP codes: Michigan 3 counties, 46 ZIPs.
Eaton Community Bank (#29846) largest markets: Ingham County, MI (46 branches, 23 ZIPs) (#29846), Eaton County, MI (76 branches, 19 ZIPs) (#29846), Barry County, MI (15 branches, 15 ZIPs) (#29846).
Eaton Community Bank (#29846) reports $543.5 million in total assets; Eaton Community Bank (#29846) equity $66.2 million (12.2% of Eaton Community Bank (#29846) assets); Eaton Community Bank (#29846) domestic deposits $459.0 million; Eaton Community Bank (#29846) net income $2.2 million; Eaton Community Bank (#29846) return on assets 0.81%; Eaton Community Bank (#29846) return on equity 6.66%; Eaton Community Bank (#29846) net interest income $8.6 million; Eaton Community Bank (#29846) call report June 30, 2026.
Eaton Community Bank (#29846) noncurrent real-estate loans 1.38% of its book; Eaton Community Bank (#29846) residential 3.76%; Eaton Community Bank (#29846) net charge-offs on real estate 1.49%; Eaton Community Bank (#29846) residential charge-offs 3.95%.
Eaton Community Bank (#29846) net interest margin 3.55% against an eight-quarter Eaton Community Bank (#29846) average of 3.46% (Eaton Community Bank (#29846) compression -0.09 points); Eaton Community Bank (#29846) real-estate loans 138.2% of equity; Eaton Community Bank (#29846) non-residential real estate 395.1% of equity; Eaton Community Bank (#29846) rate-exposure score 40/100, Eaton Community Bank (#29846) fixed-rate trap 40/100; Eaton Community Bank (#29846) risk type credit driven; Eaton Community Bank (#29846) rate regime rates elevated, Eaton Community Bank (#29846) snapshot October 19, 2026.
Eaton Community Bank (#29846) stress score moved from 66.9 on June 22, 2026 to 66.6 on October 20, 2026; Eaton Community Bank (#29846) ranged 66.6 to 66.9 over 117 snapshots.
Eaton Community Bank (#29846) alerts: 3 counties; top Eaton Community Bank (#29846) alert scores: Nashville County, MI 24 (low); Olivet County, MI 24 (low); Stockbridge County, MI 24 (low).