First Bank Upper Michigan (FDIC #14276): Bank Stress & Real-Estate Credit Exposure
First Bank Upper Michigan (FDIC Cert #14276): bank stress 38/100, contained, STABLE over 7 days; parent FIRST BANCSHARES CORP.
First Bank Upper Michigan (#14276) lends in 3 counties across 1 state; First Bank Upper Michigan (#14276) reaches 36 ZIP codes: Michigan 3 counties, 36 ZIPs.
First Bank Upper Michigan (#14276) largest markets: Marquette County, MI (30 branches, 15 ZIPs) (#14276), Delta County, MI (65 branches, 13 ZIPs) (#14276), Dickinson County, MI (22 branches, 11 ZIPs) (#14276).
First Bank Upper Michigan (#14276) reports $629.5 million in total assets; First Bank Upper Michigan (#14276) equity $83.5 million (13.3% of First Bank Upper Michigan (#14276) assets); First Bank Upper Michigan (#14276) domestic deposits $528.3 million; First Bank Upper Michigan (#14276) net income $6.4 million; First Bank Upper Michigan (#14276) return on assets 2.03%; First Bank Upper Michigan (#14276) return on equity 15.50%; First Bank Upper Michigan (#14276) net interest income $12.5 million; First Bank Upper Michigan (#14276) call report June 30, 2026.
First Bank Upper Michigan (#14276) noncurrent real-estate loans: none reported; First Bank Upper Michigan (#14276) residential -0.01%; First Bank Upper Michigan (#14276) net charge-offs on real estate 0.68%; First Bank Upper Michigan (#14276) residential charge-offs 0.55%.
First Bank Upper Michigan (#14276) net interest margin 4.39% against an eight-quarter First Bank Upper Michigan (#14276) average of 4.06% (First Bank Upper Michigan (#14276) compression -0.33 points); First Bank Upper Michigan (#14276) non-residential real estate 55.1% of equity; First Bank Upper Michigan (#14276) rate-exposure score 40/100, First Bank Upper Michigan (#14276) fixed-rate trap 40/100; First Bank Upper Michigan (#14276) risk type rate trapped; First Bank Upper Michigan (#14276) rate regime rates elevated, First Bank Upper Michigan (#14276) snapshot October 19, 2026.
First Bank Upper Michigan (#14276) stress score moved from 39.3 on June 22, 2026 to 38.5 on October 19, 2026; First Bank Upper Michigan (#14276) ranged 38.5 to 39.3 over 116 snapshots.
First Bank Upper Michigan (#14276) alerts: 3 counties; top First Bank Upper Michigan (#14276) alert scores: Marquette County, MI 44 (moderate); Gladstone County, MI 18 (low); Kingsford County, MI 18 (low).