Side-by-side · Q2 2026 data
Eastern Michigan Bank vs Northstar Bank
Metric by metric
| Measure | Eastern Michigan Bank | Northstar Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 59 |
| Capital cushion | 70 (stronger) | 41 |
| Loan quality | 79 (stronger) | 73 |
| Earnings | 77 (stronger) | 72 |
| Funding & liquidity | 84 (stronger) | 44 |
| Problem-loan coverage | 98 (stronger) | 77 |
| Peer percentile | 75th | 19th |
| Total assets | $553.6M | $1.2B |
| Deposits / shares | $453.7M | $973.6M |
| Capital ratio | 11.99% (stronger) | 9.11% |
| Problem loans | 0.63% (stronger) | 0.80% |
| Net charge-offs | -0.07% (stronger) | -0.02% |
| Return on assets | 1.42% (stronger) | 1.30% |
| Loans ÷ deposits | 42.3% (stronger) | 101.0% |
| Uninsured deposits | 29.8% | 28.4% (stronger) |
| Offices | 10 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.0% | 2.2% |
Eastern Michigan Bank has the higher TellerScore (79 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Eastern Michigan Bank leads on 6 and Northstar Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fort Gratiot, MI