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First National Bank Of America
East Lansing, MI · FDIC Certificate #17438 · Chartered 05/0
Total assets
$6.82B
Total deposits
$3.88B
Total equity
$550.74M
Net loans
$6.21B
Branches (offices)
3
Net income (YTD)
$94.25M
Rank: #225 of 4,213 U.S. banks by assets · #2 of 72 in Michigan. Assets changed 6.0% and deposits 3.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.79% |
| Return on equity | 34.72% |
| Net interest margin (YTD) | 4.86% |
| Equity to assets | 8.08% |
| Tier 1 leverage ratio | 8.13% |
| Uninsured deposits (share of deposits) | 18.7% |
| Noncurrent loans (share of loans) | 1.90% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 160.1% |
| Real estate loans (share of loans) | 101.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $6.27B | 101.0% | |
| Commercial & industrial | $1.89M | 0.0% | |
| Consumer / individual | $953.00K | 0.0% | |
| Construction & development | $242.19M | 3.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.82B | $2.40B | $61.36M | $314.73M |
| Jun 2023 | $4.96B | $2.96B | $65.70M | $421.94M |
| Jun 2024 | $5.97B | $3.55B | $84.07M | $517.55M |
| Jun 2025 | $6.43B | $3.74B | $96.14M | $527.01M |
| Jun 2026 | $6.82B | $3.88B | $94.25M | $550.74M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $3.88B | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.88B.
Similar-sized banks
Old Second National Bank ($6.86B) · Hinsdale Bank & Trust Company, National Association ($6.80B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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