FIRST NATIONAL BANK OF WAKEFIELD, THE

WAKEFIELD, MI | Micro | Est. Jan. 1, 1910, midnight | FDIC #5076 | RSSD #292850 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF WAKEFIELD, THE is amn micro FDIC-insured commercial bank headquartered in WAKEFIELD, MI, established in Jan. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $53M and total deposits of $47M. Profitability stands at 0.32% ROA and 3.57% ROE, with a net interest margin of 4.40%. The bank's CET1 capital ratio is 23.51%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.52% and a Texas Ratio of 3.10%. FDIC Certificate #5076.

Assets

$53M

Deposits

$47M

Loans

$21M

Equity

$5M

Profitability

Return on Assets (ROA) 0.32%
Return on Equity (ROE) 3.57%
Net Interest Margin (NIM) 4.40%
Yield on Assets 4.90%
Cost of Funds 0.80%

Asset Quality

NPL Ratio 0.52%
Net Charge-Off Ratio 0.27%
Texas Ratio 3.10%
NPA Ratio 0.30%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 23.51%
Tier 1 Capital 23.51%
Total Capital Ratio 24.71%
Leverage Ratio 9.85%
Loan-to-Deposit 45.01%

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