B
Eaton Community Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Eaton Community Bank
Charlotte, MI
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Rating B
Asset Quality Index 5.80
Capitalization Index 10.00
Liquidity Index 2.60
Profitability Index 2.90
Stability Index 7.20
Company Info Eaton Community Bank
Charlotte, MI
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FDIC Number 29846
Phone Number (517) 543-3880
Website www.eaton.bank
Asset Quality Eaton Community Bank
Charlotte, MI
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1-Year Asset Growth 3.86%
5-Year Asset Growth 5.81%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 1.19%
Non-Performing Loans to Capital 7.99%
Non-Performing Loans to Loans 1.90%
Balance Sheet Eaton Community Bank
Charlotte, MI
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Total Assets 502.64M
Total Deposits 420.33M
Capital and Reserves Eaton Community Bank
Charlotte, MI
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Capital 64.35M
Leverage Ratio 13.77
Loan Loss Reserves to Loans 0.95%
Risk-Based Capital Ratio --
Liquidity Eaton Community Bank
Charlotte, MI
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Hot Money Ratio 25.99%
Liquidity Ratio 26.22%
Profitability Eaton Community Bank
Charlotte, MI
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5-Year Return on Average Assets 0.49%
Net Income 2.05M
Net Interest Spread 3.24%
Operating Profit to Average Assets 0.68%
Overhead Efficiency Ratio 79.26%
Return on Assets 0.55%
Return on Equity 4.41%