FIRST COMMUNITY BANK

HARBOR SPRINGS, MI | Small | Est. Nov. 1, 1905, midnight | FDIC #13179 | RSSD #932745 | FED
Latest Report: 2025-12-31

FIRST COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in HARBOR SPRINGS, MI, established in Nov. 1, 1905, midnight. As of 2025-12-31, the bank reported total assets of $403M and total deposits of $353M. Profitability stands at 2.14% ROA and 21.64% ROE, with a net interest margin of 5.32%. The bank's CET1 capital ratio is 12.20%, 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 #13179.

Assets

$403M

Deposits

$353M

Loans

$329M

Equity

$41M

Profitability

Return on Assets (ROA) 2.14%
Return on Equity (ROE) 21.64%
Net Interest Margin (NIM) 5.32%
Yield on Assets 6.09%
Cost of Funds 0.79%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 12.20%
Tier 1 Capital 12.20%
Total Capital Ratio 13.39%
Leverage Ratio 10.11%
Loan-to-Deposit 93.41%

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