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First Bank, Upper Michigan
First Bank, Upper Michigan
RSSD ID 239556 | CERTIFICATE 14276 | ABA NUMBER 91109994
1400 Delta Ave Quarter Ended : 2025-03-31
Gladstone, Michigan, 49837 Updated : 2025-04-14
www.first-bank.com

Institution Profile
Year Opened : 1916 Institution Type : Commercial bank
Entity Type : State Federal Regulator : FDIC
Member Federal Reserve : No S-Corp : Yes
Fiduciary Powers : Yes Powers Exercised : Yes
Filing Type : 051
Specialization : Commercial Lending Specialization
Number of Offices : 9 Number of Employees : 121
Related Company Filings Regulator
 FIRST BANCSHARES CORP FED

Financial Reports
RC - Balance Sheet Report
RI - Income Statement Report
:· All Financial Reports ...

Financial Fast Facts
Balance Sheet
(USD, in thousands)

Income Statement
(USD, in thousands, ytd)
Total Assets614,303
Total Interest Income7,886
Total Liabilities540,633
Total NonInterest Income1,683
Total Bank Equity Capital73,670
Total Interest Expense2,266
Total Deposits514,737
Total NonInterest Expense4,569
Net Loans & Leases422,769
Net Income2,574
Loan Loss Allowance4,984
Net Charge Offs109



Regulatory Capital
Quarterly Averages
(USD, in thousands)
Total capital77,400
Total loans426,449
Total assets for the leverage ratio608,842
Loans secured by real estate:276,795
Tier 1 Leverage Ratio11.87
Commercial and industrial loans69,566
Tier 1 Capital Ratio15.18
Loans to individuals - Credit Cards0
Total Capital Ratio16.25
Loans to individuals - Other53,640





 

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Source of Data: FDIC, FRB, NCUA, OCC, SEC, U.S. Department of the Treasury