Listed locations
11
Institution profile
Eastern Michigan Bank
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Eastern Michigan Bank
- Display name
- Eastern Michigan Bank
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- December 4, 1895
- Charter class
- State-chartered commercial bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Reserve Board
- Headquarters
- Croswell, MI, 48422, United States
- Website
- https://www.emb.bank
- FDIC certificate number
- 982
- Federal Reserve RSSD ID
- 643340
- Domestic location count
- 13
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FRS
- Institution type
- State Member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 982
- Federal Reserve RSSD ID
- 643340
- LEI
- 549300ZATTFRM57YVB31
- Headquarters
- 65 North Howard Avenue, Croswell, MI, 48422, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 11 of 11 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| CROSWELL OFFICE | 37 North Howard Avenue | Croswell | MI | 48422 |
| DECKERVILLE OFFICE | 3636 Main Street | Deckerville | MI | 48427 |
| FORT GRATIOT OFFICE | 3061 Kraft Road | Fort Gratiot | MI | 48059 |
| LAKEPORT OFFICE | 7090 Lakeshore Road | Lakeport | MI | 48059 |
| LEXINGTON OFFICE | 5446 Main Street | Lexington | MI | 48450 |
| MARINE CITY OFFICE | 355 South Parker Street | Marine City | MI | 48039 |
| MARYSVILLE BRANCH | 2970 Gratiot | Marysville | MI | 48040 |
| MILITARY STREET OFFICE | 1430 Military Street, Suite 1 | Port Huron | MI | 48060 |
| PORT HURON OFFICE | 600 Water Street | Port Huron | MI | 48060 |
| RUTH BRANCH | 7004 East Atwater Road | Ruth | MI | 48470 |
| SANDUSKY OFFICE | 324 South Elk Street | Sandusky | MI | 48471 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- July 17, 2023
- Regulator
- Federal Reserve
- Examination method
- Intermediate Small Bank
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| July 17, 2023 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| June 3, 2019 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| April 14, 2014 | Satisfactory | Federal Reserve | Small Bank |
| March 22, 2010 | Satisfactory | Federal Reserve | Small Bank |
| March 20, 2006 | Satisfactory | Federal Reserve | Small Bank |
| February 4, 2002 | Satisfactory | Federal Reserve | Small Bank |
| February 2, 1998 | Satisfactory | Federal Reserve | Small Bank |
| February 10, 1997 | Outstanding | Federal Reserve | Small Bank |
Institutional history
3 FFIEC NIC history events
Showing 1 through 3 of 3 history events
| Event date | Event type | Related institution |
|---|---|---|
| April 1, 2016 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| January 1, 2011 | Charter Discontinued (Merger or Purchase & Assumption) | EASTERN MICHIGAN MORTGAGE COMPANY LLC |
| March 13, 1992 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
3 FFIEC NIC relationship records
Showing 1 through 3 of 3 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | EASTERN MICHIGAN FINANCIAL SERVICES, INC. | Domestic Entity Other | Croswell, MI |
| Direct relationship | EASTERN MICHIGAN REAL ESTATE COMPANY | Domestic Entity Other | Croswell, MI |
| ROOT_INSTITUTION | EASTERN MICHIGAN BANK | State Member Bank | Croswell, MI |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered member bank