Side-by-side · Q2 2026 data
Eastern Michigan Bank vs Highpoint Community Bank
Metric by metric
| Measure | Eastern Michigan Bank | Highpoint Community Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 66 |
| Capital cushion | 70 (stronger) | 35 |
| Loan quality | 79 | 99 (stronger) |
| Earnings | 77 (stronger) | 52 |
| Funding & liquidity | 84 (stronger) | 69 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 75th | 31st |
| Total assets | $553.6M | $592.4M |
| Deposits / shares | $453.7M | $540.0M |
| Capital ratio | 11.99% (stronger) | 8.45% |
| Problem loans | 0.63% | 0.04% (stronger) |
| Net charge-offs | -0.07% (stronger) | -0.00% |
| Return on assets | 1.42% (stronger) | 0.80% |
| Loans ÷ deposits | 42.3% (stronger) | 68.1% |
| Uninsured deposits | 29.8% (stronger) | 36.3% |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.0% | 1.0% |
Eastern Michigan Bank has the higher TellerScore (79 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Eastern Michigan Bank leads on 6 and Highpoint Community Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.