FIRST NATIONAL BANK OF AMERICA

EAST LANSING, MI | Large | Est. May 6, 1955, midnight | FDIC #17438 | RSSD #413141 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF AMERICA is aln large FDIC-insured commercial bank headquartered in EAST LANSING, MI, established in May 6, 1955, midnight. As of 2025-12-31, the bank reported total assets of $6.7B and total deposits of $3.8B. Profitability stands at 2.98% ROA and 37.05% ROE, with a net interest margin of 5.12%. The bank's CET1 capital ratio is 15.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.82% and a Texas Ratio of 19.72%. FDIC Certificate #17438.

Assets

$6.7B

Deposits

$3.8B

Loans

$6.2B

Equity

$537M

Profitability

Return on Assets (ROA) 2.98%
Return on Equity (ROE) 37.05%
Net Interest Margin (NIM) 5.12%
Yield on Assets 8.96%
Cost of Funds 3.90%

Asset Quality

NPL Ratio 1.82%
Net Charge-Off Ratio 0.01%
Texas Ratio 19.72%
NPA Ratio 1.78%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 15.14%
Tier 1 Capital 15.14%
Total Capital Ratio 16.39%
Leverage Ratio 8.14%
Loan-to-Deposit 161.86%

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