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 First National Bank of Michigan
First National Bank of Michigan
| RSSD ID 3404467 | CERTIFICATE 58259 | ABA NUMBER 72414239 |
| 348 W Michigan Ave |
Quarter Ended : |
2025-12-31 |
| Kalamazoo, Michigan, 49007 |
Updated : |
2026-01-27 |
| www.fnbmichigan.bank |
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| Institution Profile |
| Year Opened : |
2006 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
7 |
Number of Employees : |
81 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 986,006 |
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Total Interest Income | 49,909 |
| Total Liabilities | 898,021 |
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Total NonInterest Income | 1,510 |
| Total Bank Equity Capital | 87,985 |
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Total Interest Expense | 22,530 |
| Total Deposits | 772,263 |
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Total NonInterest Expense | 18,669 |
| Net Loans & Leases | 802,121 |
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Net Income | 7,477 |
| Loan Loss Allowance | 10,838 |
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Net Charge Offs | 146 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 102,133 |
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Total loans | 797,998 |
| Total assets for the leverage ratio | 979,453 |
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Loans secured by real estate: | 690,703 |
| Tier 1 Leverage Ratio | 9.35 |
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Commercial and industrial loans | 106,894 |
| Tier 1 Capital Ratio | 10.83 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 12.09 |
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Loans to individuals - Other | 401 |
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:· First National Bank of Michigan
