EATON COMMUNITY BANK

CHARLOTTE, MI · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1936FDIC #29,846

Satisfactory Same

Current rating · Exam: January 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.72%

Institution Profile

FDIC BankFind

Website

www.eaton.bank

Address

236 S Cochran Ave, CHARLOTTE, MI

County

Eaton County

Established

January 1, 1936

Total Assets

$534M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 9, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Jan 2027(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$534M

Total Deposits

$452M

Net Loans

$330M

Net Income

$952K

ROA

0.72%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.89%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.72%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate15.38%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$432M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	182	67.03%	15.38%
2023	180	53.89%	17.22%
2022	177	61.02%	13.56%
2021	362	61.6%	8.84%
2020	455	64.62%	10.55%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Jan 2023	Satisfactory	Small Bank
Mar 2015	Satisfactory	Small Bank
May 2012	Outstanding	Intermediate Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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