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First National Bank Of Michigan
Kalamazoo, MI · FDIC Certificate #58259 · Chartered 04/1
Total assets
$988.87M
Total deposits
$807.17M
Total equity
$90.05M
Net loans
$814.37M
Branches (offices)
6
Net income (YTD)
$4.84M
Rank: #1,056 of 4,213 U.S. banks by assets · #19 of 72 in Michigan. Assets changed 0.8% and deposits 3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.98% |
| Return on equity | 10.85% |
| Net interest margin (YTD) | 3.37% |
| Equity to assets | 9.11% |
| Tier 1 leverage ratio | 9.54% |
| Uninsured deposits (share of deposits) | 23.2% |
| Noncurrent loans (share of loans) | 0.80% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 100.9% |
| Real estate loans (share of loans) | 87.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $710.00M | 87.2% | |
| Commercial & industrial | $115.74M | 14.2% | |
| Consumer / individual | $540.00K | 0.1% | |
| Construction & development | $46.33M | 5.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $914.49M | $817.23M | $3.23M | $60.06M |
| Jun 2023 | $979.87M | $765.07M | $1.71M | $65.06M |
| Jun 2024 | $978.04M | $753.93M | $3.08M | $75.64M |
| Jun 2025 | $980.64M | $777.07M | $3.27M | $84.51M |
| Jun 2026 | $988.87M | $807.17M | $4.84M | $90.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $807.17M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $807.17M.
Similar-sized banks
The Farmers National Bank Of Danville ($989.83M) · Haven Savings Bank ($986.88M)
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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