BanksFIRST NATIONAL BANK OF AMERICA

FIRST NATIONAL BANK OF AMERICA

EAST LANSING, MILargeEst. May 6, 1955, midnightFDIC #17438RSSD #413141OCC
Latest · 2025-12-31

FIRST NATIONAL BANK OF AMERICA is an 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%. CET1 capital ratio: 15.14%, well above regulatory minimums. NPL ratio: 1.82% · Texas Ratio: 19.72%. Operates 3 domestic branches.

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 Margin5.12%
Yield on Assets8.96%
Cost of Funds3.88%

Asset Quality

NPL Ratio1.82%
Net Charge-Off Ratio0.01%
Texas Ratio19.72%
NPA Ratio1.78%
ACL / Loans1.09%

Capital & Liquidity

CET1 Ratio15.14%
Tier 1 Capital15.14%
Total Capital Ratio16.39%
Leverage Ratio8.14%
Loan-to-Deposit161.86%

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