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 First Community Bank
First Community Bank
| RSSD ID 932745 | CERTIFICATE 13179 | ABA NUMBER 72406771 |
| 200 E Main St |
Quarter Ended : |
2025-12-31 |
| Harbor Springs, Michigan, 49740 |
Updated : |
2026-01-29 |
| www.firstcb.com |
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| Institution Profile |
| Year Opened : |
1905 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
Yes |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
10 |
Number of Employees : |
70 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 403,404 |
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Total Interest Income | 22,651 |
| Total Liabilities | 362,599 |
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Total NonInterest Income | 1,735 |
| Total Bank Equity Capital | 40,805 |
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Total Interest Expense | 3,220 |
| Total Deposits | 352,567 |
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Total NonInterest Expense | 13,659 |
| Net Loans & Leases | 325,469 |
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Net Income | 7,507 |
| Loan Loss Allowance | 3,881 |
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Net Charge Offs | (62) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 45,153 |
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Total loans | 329,015 |
| Total assets for the leverage ratio | 406,942 |
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Loans secured by real estate: | 289,133 |
| Tier 1 Leverage Ratio | 10.11 |
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Commercial and industrial loans | 36,200 |
| Tier 1 Capital Ratio | 12.2 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 13.39 |
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Loans to individuals - Other | 2,695 |
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:· First Community Bank
