Branch Network
First Community Bank Locations & Branches Harbor Springs, Michigan
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First Community Bank operates 10 branches from its headquarters in Harbor Springs, MI, .
First Community Bank branch network
All 10 branches are in MICHIGAN, across 6 cities. Harbor Springs, MI has the most of its branches, 3. Its largest office by deposits is its main office in Harbor Springs, MI, with $146.2M (40.8% of its branch deposits). It had the same number of branches on June 30, 2025.
First Community Bank at a glance
Its CET1 capital ratio was 11.96% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $413.6M
- CET1 ratio, Q2 2026
- 11.96%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Established
- 1905
Full financial profile · Is First Community Bank safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Harbor Springs, MI (3 branches) | 1 of 2 | 72.6% | $146.2M |
| State: MI (10 branches) | 56 of 95 | 0.1% | $358.3M |
Ranked by total assets among banks headquartered in the state: Largest banks in Michigan.
Share by county and metro area
First Community Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Emmet, MI (6 branches) | 2 of 8 | 18.3% | $209.9M | $1.15B |
| Grand Traverse, MI (1 branch) | 10 of 13 | 1.6% | $62.9M | $3.84B |
| Kent, MI (1 branch) | 22 of 24 | 0.2% | $49.1M | $25.22B |
| Cheboygan, MI (1 branch) | 4 of 4 | 4.9% | $20.1M | $412.9M |
| Oakland, MI (1 branch) | 26 of 29 | <0.1% | $16.3M | $74.48B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Traverse City, MI (1 branch) | 10 of 13 | 1.3% | $62.9M | $4.78B |
| Grand Rapids-Kentwood, MI (1 branch) | 25 of 27 | 0.1% | $49.1M | $33.10B |
| Detroit-Warren-Dearborn, MI (1 branch) | 33 of 37 | <0.1% | $16.3M | $178.42B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Community Bank (main office) | Harbor Springs, MI | 49740 | $146.2M |
| Petoskey Main Office | Petoskey, MI | 49770 | $63.7M |
| Traverse City Main Branch | Traverse City, MI | 49684 | $62.9M |
| Grand Rapids Cascade Branch | Grand Rapids, MI | 49546 | $49.1M |
| Cheboygan Main Office Branch | Cheboygan, MI | 49721 | $20.1M |
| Birmingham Branch | Birmingham, MI | 48009 | $16.3M |
| Petoskey Division St Branch | Petoskey, MI | 49770 | $0 |
| Harbor Springs Lake St Branch | Harbor Springs, MI | 49740 | $0 |
| Petoskey Spring Street Branch | Petoskey, MI | 49770 | $0 |
| Harbor Springs Airport Branch | Harbor Springs, MI | 49740 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 13179) · FFIEC NIC profile (RSSD 932745)