Bank · FDIC insured
Eastern Michigan Bank
A $553.6M bank headquartered in Croswell, MI, with 11 branches in Michigan. Best rates: CDs 2.02% and savings 0.05% APY.
Eastern Michigan Bank Carrot Score
60
Carrot Score
Higher than 1% of U.S. banks and credit unions
#74 of 75 in Detroit, MI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Eastern Michigan Bank
Eastern Michigan Bank serves the Thumb and Blue Water communities of Croswell, Deckerville, Fort Gratiot, Lakeport, Lexington, Marine City, Marysville, Port Huron, Ruth, and Sandusky, Michigan, and is a preferred SBA lender.
- Headquarters
- 65 N Howard Ave, Croswell, MI 48422
- FDIC certificate
- 982 ↗
Branches
11 branches in Michigan
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Michigan
11 branches
Detroit area · 6
- Fort Gratiot Branch3061 Krafft Rd, Fort Gratiot, MI 48059Directions
- Lakeport Branch7090 Lakeshore Rd, Lakeport, MI 48059Directions
- Marine City Office Branch355 South Parker Street, Marine City, MI 48039Directions
- Marysville Branch2970 Gratiot Blvd, Marysville, MI 48040Directions
- Military Street Office Branch1430 Military St, Port Huron, MI 48060Directions
- Port Huron Branch600 Water St, Port Huron, MI 48060Directions
Croswell area · 1
- Croswell Branch37 N Horward Ave, Croswell, MI 48422Directions
Deckerville area · 1
- Deckerville Branch3636 Main St, Deckerville, MI 48427Directions
Lexington area · 1
- Lexington Branch5446 Main St, Lexington, MI 48450Directions
Ruth area · 1
- Ruth Branch7004 E Atwater Rd, Ruth, MI 48470Directions
Sandusky area · 1
- Sandusky Area Branch324 S Elk St, Sandusky, MI 48471Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.99% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.63% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.42% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $43 | $81 | — |
- CapitalLeverage ratio11.99%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.63%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.42%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$43Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Eastern Michigan Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.