$982M
+2.4%y/y
Percentile by value99th percentileby value
FDIC
ASSETFB
First National Bank of Michigan
Kalamazoo, MichiganFDIC Cert #58259
OCCEstablished 20067 branches
Holding company: FIRST NATIONAL BCORP INCRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFirst National Bank of Michigan reported $982M in total assets. Deposits declined 1.03% over the prior year.
Return on assets was 0.92%, compared with the official FFIEC UBPR peer median of 1.30%. The leverage ratio was 9.43%.
- Why is CRE Concentration to Capital above its official FFIEC UBPR peers?
- Why is Total Assets above its official FFIEC UBPR peers?
- Why is Tier 1 Leverage Ratio below its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$760M
−1.0%y/y
Percentile by value92nd percentileby value
FDIC
DEP$814M
+9.7%y/y
Percentile by value100th percentileby value
FDIC
LNLSNET0.92%
+27 bpsy/y
Peer standing25th percentile
FDIC
NETINC + ROA59.82%
−884 bpsy/y
Peer standing54th percentile
FDIC
NONIX + NIM + NONII + EEFFR9.43%
+27 bpsy/y
Peer standing23rd percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,278 ffiec ubpr peer group 5 — insured commercial banks having assets between $300 million and $1 billion.
Side-by-side comparison
First National Bank of Michigan beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
0.92%
Registry median
1.30%
This bank
10.23%
FFIEC trimmed average
13.04%
This bank
3.28%
Registry median
3.89%
This bank
59.82%
Registry median
61.20%
This bank
−1.03%
FFIEC trimmed average
+4.71%
This bank
+9.67%
FFIEC trimmed average
+6.25%
This bank
0.80%
FFIEC trimmed average
0.64%
This bank
9.43%
FFIEC trimmed average
10.94%
This bank
3.32%
Registry median
2.43%
This bank
480%
Registry median
174%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
0.92%
Registry median
1.20%
This bank
10.23%
FFIEC trimmed average
11.55%
This bank
3.28%
Registry median
4.02%
This bank
59.82%
Registry median
64.09%
This bank
−1.03%
FFIEC trimmed average
+4.48%
This bank
+9.67%
FFIEC trimmed average
+9.44%
This bank
0.80%
FFIEC trimmed average
0.69%
This bank
9.43%
FFIEC trimmed average
10.55%
This bank
3.32%
Registry median
2.11%
This bank
480%
Registry median
153%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $804M | $661M |
| Q3 2021 | $872M | $727M |
| Q4 2021 | $887M | $741M |
| Q1 2022 | $919M | $793M |
| Q2 2022 | $914M | $817M |
| Q3 2022 | $941M | $845M |
| Q4 2022 | $936M | $786M |
| Q1 2023 | $950M | $762M |
| Q2 2023 | $980M | $765M |
| Q3 2023 | $972M | $797M |
| Q4 2023 | $981M | $778M |
| Q1 2024 | $1.01B | $800M |
| Q2 2024 | $978M | $754M |
| Q3 2024 | $974M | $767M |
| Q4 2024 | $971M | $802M |
| Q1 2025 | $960M | $768M |
| Q2 2025 | $981M | $777M |
| Q3 2025 | $972M | $775M |
| Q4 2025 | $986M | $772M |
| Q1 2026 | $982M | $760M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $156M |
| Investor CRE | $326M |
| Multifamily | $113M |
| Construction | $58.3M |
| 1–4 family | $61.7M |
| C&I | $110M |
| Agriculture | $0 |
| Other | $353K |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.92%25th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.56%Median 1.30%90th 2.18%Observations 1,278
ROE
FDIC
NETINC + ROE10.23%31st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.60%Median 12.81%90th 21.29%Observations 1,278
NIM
FDIC
NIM + NIMY3.28%17th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.08%Median 3.89%90th 4.79%Observations 1,278
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.82%54th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.45%Median 61.20%90th 79.08%Observations 1,278
Deposits YoY
FDIC
DEP−1.03%15th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.16%90th +13.52%Observations 1,278
Loans YoY
FDIC
LNLSNET+9.67%70th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.31%Median +5.92%90th +17.22%Observations 1,275
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.80%66th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.44%90th 2.15%Observations 1,275
Leverage
FDIC
RBC1AAJ9.43%23rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.57%90th 14.35%Observations 1,278
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.32%12th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.43%90th 3.43%Observations 1,278
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC480%99th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 48%Median 174%90th 319%Observations 754
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.92%38th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.50%Median 1.20%90th 1.95%Observations 69
ROE
FDIC
NETINC + ROE10.23%40th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.68%Median 11.63%90th 18.36%Observations 69
NIM
FDIC
NIM + NIMY3.28%15th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.21%Median 4.02%90th 4.82%Observations 69
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.82%68th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.54%Median 64.09%90th 83.92%Observations 69
Deposits YoY
FDIC
DEP−1.03%21st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.42%Median +2.69%90th +17.14%Observations 69
Loans YoY
FDIC
LNLSNET+9.67%60th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.34%Median +7.34%90th +24.03%Observations 68
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.80%59th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.51%90th 1.64%Observations 68
Leverage
FDIC
RBC1AAJ9.43%34th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.61%Median 10.11%90th 13.18%Observations 69
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.32%10th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.19%Median 2.11%90th 3.35%Observations 69
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC480%100th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 57%Median 153%90th 290%Observations 45
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 7 branches
- Headquarters
- Kalamazoo, MI
FDIC
OFFDOMOpen the Michigan dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data