FIRST NATIONAL BANK & TRUST

IRON MOUNTAIN, MI | Small | Est. Jan. 1, 1887, midnight | FDIC #5062 | RSSD #251558 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK & TRUST is asn small FDIC-insured commercial bank headquartered in IRON MOUNTAIN, MI, established in Jan. 1, 1887, midnight. As of 2025-12-31, the bank reported total assets of $412M and total deposits of $355M. Profitability stands at 0.85% ROA and 10.22% ROE, with a net interest margin of 3.74%. The bank's CET1 capital ratio is 14.81%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.39% and a Texas Ratio of 18.39%. FDIC Certificate #5062.

Assets

$412M

Deposits

$355M

Loans

$210M

Equity

$35M

Profitability

Return on Assets (ROA) 0.85%
Return on Equity (ROE) 10.22%
Net Interest Margin (NIM) 3.74%
Yield on Assets 4.71%
Cost of Funds 0.98%

Asset Quality

NPL Ratio 3.39%
Net Charge-Off Ratio 0.06%
Texas Ratio 18.39%
NPA Ratio 1.77%
ACL / Loans 2.05%

Capital & Liquidity

CET1 Ratio 14.81%
Tier 1 Capital 14.81%
Total Capital Ratio 16.07%
Leverage Ratio 8.96%
Loan-to-Deposit 59.23%

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