First Nb Of Michigan (FDIC #58259): Bank Stress & Real-Estate Credit Exposure
First Nb Of Michigan (FDIC Cert #58259): bank stress 74/100, elevated, STABLE over 7 days; parent FIRST NATIONAL BCORP INC.
First Nb Of Michigan (#58259) lends in 4 counties across 1 state; First Nb Of Michigan (#58259) reaches 104 ZIP codes: Michigan 4 counties, 104 ZIPs.
First Nb Of Michigan (#58259) largest markets: Kent County, MI (39 branches, 39 ZIPs) (#58259), Kalamazoo County, MI (75 branches, 25 ZIPs) (#58259), Ottawa County, MI (25 branches, 25 ZIPs) (#58259), Ingham County, MI (23 branches, 23 ZIPs) (#58259).
First Nb Of Michigan (#58259) reports $988.9 million in total assets; First Nb Of Michigan (#58259) equity $90.0 million (9.1% of First Nb Of Michigan (#58259) assets); First Nb Of Michigan (#58259) domestic deposits $807.2 million; First Nb Of Michigan (#58259) net income $4.8 million; First Nb Of Michigan (#58259) return on assets 0.98%; First Nb Of Michigan (#58259) return on equity 10.85%; First Nb Of Michigan (#58259) net interest income $15.8 million; First Nb Of Michigan (#58259) call report June 30, 2026.
First Nb Of Michigan (#58259) noncurrent real-estate loans: none reported; First Nb Of Michigan (#58259) net charge-offs on real estate 0.92%; First Nb Of Michigan (#58259) residential charge-offs 1.31%.
First Nb Of Michigan (#58259) net interest margin 3.37% against an eight-quarter First Nb Of Michigan (#58259) average of 2.83% (First Nb Of Michigan (#58259) compression -0.54 points); First Nb Of Michigan (#58259) non-residential real estate 131.2% of equity; First Nb Of Michigan (#58259) rate-exposure score 40/100, First Nb Of Michigan (#58259) fixed-rate trap 40/100; First Nb Of Michigan (#58259) risk type credit driven; First Nb Of Michigan (#58259) rate regime rates elevated, First Nb Of Michigan (#58259) snapshot October 19, 2026.
First Nb Of Michigan (#58259) stress score moved from 73.7 on June 22, 2026 to 74 on October 20, 2026; First Nb Of Michigan (#58259) ranged 73.7 to 74 over 117 snapshots.
First Nb Of Michigan (#58259) alerts: 4 counties; top First Nb Of Michigan (#58259) alert scores: Grand Rapids County, MI 26 (low); Holland County, MI 26 (low); Lansing County, MI 26 (low); Portage County, MI 26 (low).