Eastern Michigan Bank (FDIC #982): Bank Stress & Real-Estate Credit Exposure
Eastern Michigan Bank (FDIC Cert #982): bank stress 35/100, contained, STABLE over 7 days; parent EASTERN MI FINANCIAL CORP.
Eastern Michigan Bank (#982) lends in 3 counties across 1 state; Eastern Michigan Bank (#982) reaches 56 ZIP codes: Michigan 3 counties, 56 ZIPs.
Eastern Michigan Bank (#982) largest markets: St. Clair County, MI (138 branches, 23 ZIPs) (#982), Sanilac County, MI (115 branches, 23 ZIPs) (#982), Huron County, MI (18 branches, 18 ZIPs) (#982).
Eastern Michigan Bank (#982) reports $553.6 million in total assets; Eastern Michigan Bank (#982) equity $97.8 million (17.7% of Eastern Michigan Bank (#982) assets); Eastern Michigan Bank (#982) domestic deposits $453.7 million; Eastern Michigan Bank (#982) net income $4.0 million; Eastern Michigan Bank (#982) return on assets 1.42%; Eastern Michigan Bank (#982) return on equity 8.27%; Eastern Michigan Bank (#982) net interest income $11.8 million; Eastern Michigan Bank (#982) call report June 30, 2026.
Eastern Michigan Bank (#982) noncurrent real-estate loans: none reported; Eastern Michigan Bank (#982) net charge-offs on real estate 0.70%; Eastern Michigan Bank (#982) residential charge-offs 0.99%.
Eastern Michigan Bank (#982) net interest margin 4.82% against an eight-quarter Eastern Michigan Bank (#982) average of 3.63% (Eastern Michigan Bank (#982) compression -1.18 points); Eastern Michigan Bank (#982) non-residential real estate 98.8% of equity; Eastern Michigan Bank (#982) rate-exposure score 40/100, Eastern Michigan Bank (#982) fixed-rate trap 40/100; Eastern Michigan Bank (#982) risk type rate trapped; Eastern Michigan Bank (#982) rate regime rates elevated, Eastern Michigan Bank (#982) snapshot October 19, 2026.
Eastern Michigan Bank (#982) stress score moved from 36.3 on June 22, 2026 to 35.2 on October 19, 2026; Eastern Michigan Bank (#982) ranged 35.2 to 36.3 over 116 snapshots.
Eastern Michigan Bank (#982) alerts: 3 counties; top Eastern Michigan Bank (#982) alert scores: Port Huron County, MI 17 (low); Ruth County, MI 17 (low); Sandusky County, MI 17 (low).