Eastern Michigan Bank is a bank based in Croswell, Michigan, established in 1895, with $568 million in total assets across 13 branches. By Trust Grade it ranks 22nd of 73 banks we track in Michigan. Its capital ratio of 17.1% is stronger than 94% of similarly sized banks, versus a Michigan median of 9.6%. It was profitable over the most recent period, with a 1.39% return on assets. No consumer complaints against Eastern Michigan Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Eastern Michigan Bank compares to Michigan peers
How we graded Eastern Michigan Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (17.1% capital ratio)
- Strongly profitable (ROA 1.39%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Eastern Michigan Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (13)
- 7004 E Atwater Rd, Ruth, MI 48470
- 5446 Main St, Lexington, MI 48450
- 7090 Lakeshore Rd, Lakeport, MI 48059
- 66 N Howard Ave, Croswell, MI 48422
- 600 Water St, Port Huron, MI 48060
- 324 S Elk St, Sandusky, MI 48471
- 3636 Main St, Deckerville, MI 48427
- 3061 Krafft Rd, Fort Gratiot, MI 48059
- 2970 Gratiot Blvd, Marysville, MI 48040
- 37 N Horward Ave, Croswell, MI 48422
- 65 N Howard Ave, Croswell, MI 48422
- 1430 Military St, Port Huron, MI 48060
- 355 South Parker Street, Marine City, MI 48039
Are deposits at Eastern Michigan Bank insured?
Yes. Eastern Michigan Bank is an FDIC-insured bank (FDIC certificate #982). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Eastern Michigan Bank: frequently asked questions
Is Eastern Michigan Bank a good bank?
Eastern Michigan Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (17.1% capital ratio); Strongly profitable (ROA 1.39%).
Is Eastern Michigan Bank FDIC-insured?
Yes. Eastern Michigan Bank is a FDIC-insured bank (FDIC certificate #982). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Eastern Michigan Bank?
Eastern Michigan Bank holds $568 million in total assets, ranking 22nd of 73 banks we track in Michigan. It operates 13 branches.
Does Eastern Michigan Bank have CFPB complaints?
No CFPB complaints against Eastern Michigan Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
