# EATON COMMUNITY BANK
CHARLOTTE, MI · FDIC certificate 29846 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $543.5M | |
| Deposits | $459.0M | |
| Loans and leases | $341.1M | |
| Total equity | $66.2M | |
| Loans / deposits | 73.65% (p32 of band) | 82.04% |
| Liquid assets / assets | 30.27% (p65 of band) | |
| Uninsured deposits / deposits | 13.23% (p9 of band) | 25.97% |
| Brokered deposits | 12.87% | |
| Wholesale funding | 15.63% (p88 of band) | |
| FHLB advances / assets | 2.76% | |
| Tier 1 leverage | 12.89% (p78 of band) | 10.81% |
| Unrealized securities loss / equity | -5.93% (p58 of band) | -8.10% |
| AOCI / equity | -0.53% (p40 of band) | |
| ROA (annualized) | 0.81% (p22 of band) | 1.28% |
| Net interest margin | 3.55% (p30 of band) | 3.91% |
| Efficiency ratio | 70.74% (p75 of band) | |
| Noncurrent loans | 1.23% (p78 of band) | 0.43% |
| Net charge-offs (annualized) | 0.66% (p98 of band) | |
| Reserve coverage of noncurrent | 73.22% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 10.82% (p15 of band) | |
| Auto loans | $25.7M (7.54% of loans; DQ 0.28%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.4% | |
| Employees | 86 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 3 | wholesale funding >15%, securities losses >30% of equity |  |
| 2011-09 | 1 |  | wholesale funding >15%, securities losses >30% of equity |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | assets shrinking |  |
| 2013-03 | 1 |  | assets shrinking |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 2 | reserve under noncurrent, assets shrinking |  |
| 2015-03 | 2 | deposits shrinking | reserve under noncurrent |
| 2015-06 | 3 | uninsured deposits leaving |  |
| 2015-09 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2015-12 | 0 |  | assets shrinking |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 0 |  | uninsured deposits leaving |
| 2018-09 | 1 | expense ratio p90 |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | expense ratio p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 2 | losing money, expense ratio p90 |  |
| 2022-03 | 1 | capital falling | losing money, expense ratio p90 |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | securities losses >30% of equity |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | brokered >10% |  |
| 2024-06 | 3 | wholesale funding >15%, capital falling |  |
| 2024-09 | 1 |  | wholesale funding >15%, capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 | reserve under noncurrent | brokered >10% |
| 2025-12 | 4 | brokered >10%, capital falling, losing money |  |
| 2026-03 | 4 | charge-offs p90 | losing money |
| 2026-06 | 4 | wholesale funding >15% | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-24 [Eaton Community Bank launches “Banking on MI Business” - WILX](https://news.google.com/rss/articles/CBMiigFBVV95cUxNRVZNcTlKalpoaUo4THF1MlloZVdfSlBqaUgtZ21IaFdtWGcxbVEtR2tuTjRseFA1a050NF9MNEpTVHFVYUVhUDlaY0p3NGg5VGEtOE14RFVWakNpZzdjbXhvdFJVYzFOdWxydFR0cUgxSXlfVlptNk55X0J5WE5MMFBTR1lQVFZNMkHSAZ4BQVVfeXFMTmZRbVVFdV9nVWpUZjM0d2gtcHJDZzJLRGVzblhRY0liNlFKVEFfUjhpTEQtM1RBR2pWdHp1TmNpc2QxeVdOZ040RGlRdUNnbnFoUi1scnVHS2ZZU0VfSVNJWVJUMHBBNEhFdjFTYW9kZ1NkNy1YaDFmRDdJLVcyZWktTm14UUo0T2dtNzBtcUhxNVV5OVFIbm5la3dBbWc?oc=5) · WILX
- 2026-05-20 [Hydro Wake Named May “Banking on MI Business” Winner, Helping Lake Season Start Smoothly - WILX](https://news.google.com/rss/articles/CBMitgFBVV95cUxPSDJkWmNOVDI3akFCN3RvRTYtZzh5Zmd6MlY3T1NFNzhfdTVVUDZiLVlGRGFlTDVySzlPMFUwS280T3VxUjJWNzh0aUx5MzIzdWt2ZTY0a1RjZldEWTY3V2RSUTdSZkdDeW4wUGlKWldoM2Jrem9wZXF3QW9FTkpfd1VsS1Qxc21KVzlRS3ZNUm1hTU1Ia1hoRjZsV1JZUUtHNE5SUDhhSHJnamRVNVRwZzM4X3pFQdIBygFBVV95cUxOM1F5MDVDVFNSMmhuOS1fSUNGbGhyd0poZ08xNmNQTG03MVZEVG1NZU15YmYtekNZSk5UVFZXTmg2VFU0dm5PSWtTMllueVpCVkZBSEpxRk1vclhuaWduRjRocFpqVFVJUm56S2hJeXMxaXB5a1h2cXVHdGtaQk1kM1lTN1AzV0cwSlN2WklmbXF3T2lnWW5Od3BwUVBJeUpINEh4RWhPSWdtRjBHWVFwLVVuQ0NzLXl2SFlGVzNWQjR2V3NJXzNVVXJn?oc=5) · WILX
- 2026-04-28 [‘Banking on MI Business’ features Foster Coffee Co. - WILX](https://news.google.com/rss/articles/CBMihAFBVV95cUxQMk1vdXRNVU5Nd3dwWk5CWTk1c0RoSlJYdUNMRG9MbFJDTl9lMUNQa3JPMFNkQ1NpRmJlbzZib2IyTm1PZEl3ZmltcGk5X3g0QUV1THo2ZHlscHdPX3J5YlhYa3dWZmt5WVhrVC13eTU1eEQzNHp4ZnMxbXl1U3M3WXdtUUHSAZgBQVVfeXFMUEpoWkVtYUFMOUNXN3NhRmYzVGIwcnktN2F5SjNpak1sTVd0TnVMLXpYVk83WGpKQndRNXdobmJ6UmM4a3diWjNVQi1hc0hpZW1NSFNteEFxTlhUdW0tNkNsLTZVTm5aLUxoR0FoRTFSbkxvX1lGSFh0c2dsLWFwOVFadjFtZWZCVUhNWllxd1BpMTRyaUdPYVo?oc=5) · WILX
- 2026-08-28 [Barrett Meets with Workers, Community Leaders in Packed Week Traveling Mid-Michigan - barrett.house.gov](https://news.google.com/rss/articles/CBMivgFBVV95cUxQVXVEVTg5UzFmdlR6U2stTkllZkZ5S3d2VERBVnBYTHBlRGpJNVhtdVlTWXJVN2pObzIzVWlCM0NRb3VLblZiN2pfdUo5NkZ0UHlXU3Q1RGprc1JFeFRkYzhYRGQ3SEpCMHNyRHdZSkdwRGFROXNWU290Wl9oU0xxa3NUX3NVTUtyNGt1eXpXUDdQcGFzdXFmdUFxclFLZTY2UHl6ek9ETWdvSm5SY1ZuUmw5V3hwckYxWGJDVkZB?oc=5) · barrett.house.gov
- 2026-08-22 [Terry Lee Chaney - View Obituary & Service Information - Pray Funeral Home, Inc.](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1ISlFaaERNa0xvUUs1UklrX0tJZFl0LW1OdXVQUlBXcXJubXBzWFlLQ1F3LUluZ0tQVWctam5ma2VVOWJabWZpRVozMDNPMGFiYmFCczlPN25jZDhnOWk1OFZPNEY0ZDA?oc=5) · Pray Funeral Home, Inc.
- 2025-05-16 [There's Been a Venue Change for This Week's "WITL Night Out" - 100.7 WITL](https://news.google.com/rss/articles/CBMiWEFVX3lxTE1pVU5aWlprWTdkcU5qLUhWZjZaaWFQaW12SEVGUnRkSWtMbDRtZDB6bEVjd2NKdnRFd2NSVnR2WFRjalVKUGNmcGtRNTg4ZVZ4azZoeW8tdC0?oc=5) · 100.7 WITL
- 2026-07-27 [Banking on MI Business features Mosquito Joe - WILX](https://news.google.com/rss/articles/CBMif0FVX3lxTE5maHktcUpURG1Ud011RVZqSkZfbGw4c1ljN2Jld1cwdzBQVDQwNjVJekFxWHRUM25BMEQ3VzJzdzJOTjR5RElobFpXclAydFhnUTdfbzZOdlMxWG1MM2wzc1U1cUpKYklNN0FOWjkwMjM2WVBVYzM5a2M5VjVNZlXSAZMBQVVfeXFMUGlQcmg0cFhoU05yekpmRU5rbS11RlZob0NrdGNqUzVJZnpoT093WTRDZy1SX0ZPY3R5Z3NjQ29DQ29rS21IdDFiUmNMblVKZDk4cFBpbTljLUFzT05VVWNmRlhOOGlRcG5NeFFmVjJYUVRuejRNWlZ1b2JZMnVaSi1UVDgxNGxFYVRpYThPU21Fanc4?oc=5) · WILX
- 2024-11-26 [Small Business Resources at Eaton Community Bank - WILX](https://news.google.com/rss/articles/CBMijAFBVV95cUxNTGJ4MXJydkpyQ0pOdW9VWUhBNExtZkNvVWxLTVJhOUJhZ3I1RWJzLUIxTWhOMjV5QUNWWEdxMDBia2NyWEJxUFdTem9FYzJCRFVramZ4eVJTT1BJT2FJZXZqWGYxUm1IaDhvbkJWbi1SSW5oRWlvcUdVQldMUG1FbWNkU2ZxTk1VVlVvcA?oc=5) · WILX

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29846 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/22.json (key "29846", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide