Eastern Michigan Bank

Eastern Michigan Bank is a community-focused financial institution headquartered in Croswell, Michigan. Established in 1895, the bank has a long history of serving the financial needs of St. Clair, Sanilac, and Huron counties. It was founded by a group of local businessmen, including John P. Niggeman, who served as the first president.

The bank operates as a locally owned community bank, providing a range of personal and business banking services. Its offerings include checking and savings accounts, certificates of deposit (CDs), and digital banking solutions such as online and mobile banking. For businesses, it provides cash management services, including remote deposit capture and merchant services. The bank's lending portfolio is diverse, encompassing personal loans, auto loans, mortgages, as well as commercial and agricultural loans tailored to the local economy. Its business model is centered on building long-term relationships with its customers and supporting the local community. Revenue is primarily generated through net interest income from its loan portfolio and fees for various banking services.

Eastern Michigan Bank serves a clientele that includes individuals, families, small to medium-sized businesses, and agricultural operations within its geographic footprint. The bank has nine branch locations in communities including Croswell, Deckerville, Fort Gratiot, Lakeport, Lexington, Marysville, Port Huron, Ruth, and Sandusky. A significant aspect of its corporate identity is its commitment to community involvement, demonstrated through sponsorships, donations to local civic and charitable groups, and employee volunteerism on various local boards and committees.

Keywords: community banking, personal banking, business banking, agricultural loans, mortgage lending, financial services, Michigan banking, commercial loans, online banking, wealth management