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The First National Bank Of Wakefield
Wakefield, MI · FDIC Certificate #5076 · Chartered 01/0
Total assets
$52.65M
Total deposits
$47.70M
Total equity
$4.83M
Net loans
$21.48M
Branches (offices)
2
Net income (YTD)
$172.00K
Rank: #4,023 of 4,213 U.S. banks by assets · #72 of 72 in Michigan. Assets changed -2.3% and deposits -2.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.65% |
| Return on equity | 7.12% |
| Net interest margin (YTD) | 4.28% |
| Equity to assets | 9.18% |
| Tier 1 leverage ratio | 10.15% |
| Uninsured deposits (share of deposits) | 8.2% |
| Noncurrent loans (share of loans) | 0.71% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 45.0% |
| Real estate loans (share of loans) | 65.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $13.99M | 65.2% | |
| Commercial & industrial | $1.04M | 4.9% | |
| Consumer / individual | $6.21M | 28.9% | |
| Construction & development | $61.00K | 0.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $58.32M | $54.87M | $141.00K | $3.34M |
| Jun 2023 | $55.26M | $50.78M | $151.00K | $3.90M |
| Jun 2024 | $54.40M | $50.12M | $140.00K | $4.20M |
| Jun 2025 | $53.90M | $49.12M | $168.00K | $4.63M |
| Jun 2026 | $52.65M | $47.70M | $172.00K | $4.83M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $47.70M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $47.70M.
Similar-sized banks
The Exchange State Bank ($52.73M) · Citizens Bank Of Morgantown, Inc. ($52.59M)
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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