FIRST BANK, UPPER MICHIGAN is amn medium FDIC-insured commercial bank headquartered in GLADSTONE, MI, established in Aug. 14, 1916, midnight. As of 2025-12-31, the bank reported total assets of $633M and total deposits of $524M. Profitability stands at 2.09% ROA and 16.69% ROE, with a net interest margin of 4.25%. The bank's CET1 capital ratio is 15.76%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.39% and a Texas Ratio of 2.01%. FDIC Certificate #14276.
Assets
$633M
Deposits
$524M
Loans
$446M
Equity
$82M
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