Eastern Michigan Bank
Croswell, MI · Owner: Mercantile Bank Corp
$554M
total assets, June 30, 2026
$554M
total assets, June 30, 2026
Eastern Michigan Bank is a state member bank based in Croswell, MI, owned by Mercantile Bank Corp. As of June 30, 2026 it held $553.6 million in assets and $453.7 million in deposits; assets were up 9.7% from a year before. It has 12 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$554M
+9.7% in a year · -2.5% in a quarter
Deposits
$454M
+0.7% in a year · -3.5% in a quarter
Loans
$194M
-6.7% in a year · -1.9% in a quarter
Profit so far
$4.0M
Jan 1 to Jun 30, 2026 · +9.7% in a year
Capital ratio
11.99%
+1.21 pts in a year
Return on assets
1.42%
0.00 pts in a year
Facts
- Type
- State member bank
- Head office
- 65 N Howard Ave, Croswell, MI, 48422
- County
- Sanilac
- Holding company
- Mercantile Bank Corp
- Established
- Dec 4, 1895
- Employees
- 86
- Branches
- 12
- Website
- www.emb.bank
- Id
- b982
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
12 offices as of June 30, 2026, holding $453.7 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Michigan | 12 | $454M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Port Huron Branch | Port Huron, MI | $78.3M |
| Croswell Branch | Croswell, MI | $76.5M |
| Lexington Branch | Lexington, MI | $50.4M |
| Marysville Branch | Marysville, MI | $49.0M |
| Fort Gratiot Branch | Fort Gratiot, MI | $45.1M |
| Sandusky Area Branch | Sandusky, MI | $45.1M |
| Deckerville Branch | Deckerville, MI | $39.8M |
| Lakeport Branch | Lakeport, MI | $33.9M |
| Ruth Branch | Ruth, MI | $30.6M |
| Marine City Office Branch | Marine City, MI | $4.4M |
Related pages
Questions and answers
How big is Eastern Michigan Bank?
$553.6 million in total assets and $453.7 million in deposits as of June 30, 2026, with assets up 9.7% from a year before. Its loans were $194.3 million.
How many branches does Eastern Michigan Bank have?
12 branches in Michigan as of June 30, 2026.
Is Eastern Michigan Bank profitable?
Yes: it earned $4.00 million from January 1 to June 30, 2026 (up 9.7% from the same months a year before). Its return on assets was 1.42% a year; about 1% is typical.
Who owns Eastern Michigan Bank?
Eastern Michigan Bank is owned by Mercantile Bank Corp, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.