First Nb Of America (FDIC #17438): Bank Stress & Real-Estate Credit Exposure
First Nb Of America (FDIC Cert #17438): bank stress 46/100, moderate, STABLE over 7 days; parent FIRST NATIONAL BANCSHARES INC.
First Nb Of America (#17438) lends in 3 counties across 1 state; First Nb Of America (#17438) reaches 73 ZIP codes: Michigan 3 counties, 73 ZIPs.
First Nb Of America (#17438) largest markets: Kent County, MI (39 branches, 39 ZIPs) (#17438), Ingham County, MI (23 branches, 23 ZIPs) (#17438), Grand Traverse County, MI (11 branches, 11 ZIPs) (#17438).
First Nb Of America (#17438) reports $6.82 billion in total assets; First Nb Of America (#17438) equity $550.7 million (8.1% of First Nb Of America (#17438) assets); First Nb Of America (#17438) domestic deposits $3.88 billion; First Nb Of America (#17438) net income $94.2 million; First Nb Of America (#17438) return on assets 2.79%; First Nb Of America (#17438) return on equity 34.72%; First Nb Of America (#17438) net interest income $158.9 million; First Nb Of America (#17438) call report June 30, 2026.
First Nb Of America (#17438) noncurrent real-estate loans 0.01% of its book; First Nb Of America (#17438) residential 0.50%; First Nb Of America (#17438) net charge-offs on real estate 1.90%; First Nb Of America (#17438) multifamily charge-offs 0.10%; First Nb Of America (#17438) residential charge-offs 5.71%.
First Nb Of America (#17438) net interest margin 4.86% against an eight-quarter First Nb Of America (#17438) average of 4.85% (First Nb Of America (#17438) compression -0.00 points); First Nb Of America (#17438) real-estate loans 1.5% of equity; First Nb Of America (#17438) non-residential real estate 571.5% of equity; First Nb Of America (#17438) rate-exposure score 40/100, First Nb Of America (#17438) fixed-rate trap 40/100; First Nb Of America (#17438) risk type credit driven; First Nb Of America (#17438) rate regime rates elevated, First Nb Of America (#17438) snapshot October 19, 2026.
First Nb Of America (#17438) stress score moved from 45.7 on June 22, 2026 to 46.1 on October 19, 2026; First Nb Of America (#17438) ranged 45.7 to 46.1 over 116 snapshots.
First Nb Of America (#17438) alerts: 3 counties; top First Nb Of America (#17438) alert scores: East Lansing County, MI 21 (low); Grand Rapids County, MI 21 (low); Traverse City County, MI 21 (low).