FIRST NATIONAL BANK OF SAINT IGNACE, THE

SAINT IGNACE, MI | Small | Est. May 17, 1888, midnight | FDIC #5074 | RSSD #381950 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF SAINT IGNACE, THE is asn small FDIC-insured commercial bank headquartered in SAINT IGNACE, MI, established in May 17, 1888, midnight. As of 2025-12-31, the bank reported total assets of $344M and total deposits of $324M. Profitability stands at -0.23% ROA and -4.92% ROE, with a net interest margin of 2.62%. The bank's CET1 capital ratio is 16.01%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #5074.

Assets

$344M

Deposits

$324M

Loans

$108M

Equity

$18M

Profitability

Return on Assets (ROA) -0.23%
Return on Equity (ROE) -4.92%
Net Interest Margin (NIM) 2.62%
Yield on Assets 3.70%
Cost of Funds 1.05%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.88%

Capital & Liquidity

CET1 Ratio 16.01%
Tier 1 Capital 16.01%
Total Capital Ratio 16.62%
Leverage Ratio 7.09%
Loan-to-Deposit 33.42%

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