First National Bank of America
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of America is an FDIC-insured commercial bank headquartered in East Lansing, MI, established in 1955 (FDIC certificate 17438), and it is supervised by the OCC. At Q2 2026 it reported total assets of $6.82B, up 6.0% from Q2 2025, the 2nd largest of 72 banks headquartered in Michigan. Its CET1 capital ratio was 15.28% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 17438
- Headquarters
- East Lansing, MI
- Established
- 1955
- Total assets, Q2 2026
- $6.82B
- Assets vs Q2 2025
- +6.0%
- CET1 ratio, Q2 2026
- 15.28%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 072412435
- Latest call report
- Q2 2026, FFIEC 041 · First National Bank of America call report
- Holding company
- FIRST NATIONAL BANCSHARES, INC.
- Asset rank in state
- 2nd of 72 in Michigan
First National Bank of America is one of the more profitable banks of its size. Based in East Lansing, Michigan, it had $6.8 billion in assets at June 30, 2026, up 6.0% from a year earlier. It earns about $2.87 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 26 cents to bring in each dollar of revenue, about half the median of 58 cents for banks its size.
Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.90% of loans from 1.76% a year earlier. Funding is the softer spot: it pays an average of 3.87% on its deposits and borrowings, about double the median of 2.01% for banks its size.
As of June 30, 2026, First National Bank of America reported a CET1 capital ratio of 15.28%, a return on assets of 2.87%, a nonperforming-loan ratio of 1.90% and a Texas ratio of 20.56%. The figures come from its call report filed with the FFIEC.
First National Bank of America ranks as the 2nd largest of the 72 banks based in Michigan, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.8% to $6.82B, loans rose 0.5% and deposits rose 1.1%. 1-4 family residential loans made up 93.2% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 3.9%. Its 3 offices in the FDIC Summary of Deposits are in East Lansing, MI, Grand Rapids, MI and Traverse City, MI; its East Lansing office books 86% of its branch deposits. Judged on its Q2 2026 call report, First National Bank of America meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 241 E Saginaw St, East Lansing, MI 48823
- County
- Ingham
- Metro Area
- Lansing-East Lansing, MI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 6, 1955
- Former names
- First National Bank of Michigan (1978-1998); First National Bank of East Lansing (1970-1978)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 412
- Domestic deposits
- $3.88B
- Allowance for credit losses
- $68.7M
- Net charge-offs (YTD)
- $458K
- Average total assets
- $6.78B
- Average total loans
- $6.27B
- Average interest-bearing deposits
- $3.75B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 6, 1955
- FDIC Cert
- 17438
- Fed RSSD
- 413141
- SEC CIK
- 1677393 → filed by FIRST NATIONAL BANCSHARES, INC.
- Website
- www.fnba.com →
- Parent Holding Company
- FIRST NATIONAL BANCSHARES, INC. (RSSD 1206313)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First National Bank of America's total assets moved between a low of $5.28B (Q3 2023) and a high of $6.82B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$6.82B total assets against $6.43B; $6.27B total liabilities against $5.91B.
$6.21B net loans and leases against $5.90B; $3.88B total deposits against $3.74B.
$82.0M securities against $72.6M; $315.6M cash and balances due against $262.5M.
$140.3M total interest income against $131.6M; $59.9M total interest expense against $56.5M.
$80.3M net interest income against $75.0M.
$4.6M total noninterest income against $2.6M; $22.3M total noninterest expense against $20.3M.
$944K provision for credit losses against $1.3M.
$48.6M net income against $44.3M.
2.87% return on assets against 2.78%; 4.76% net interest margin against 4.73%.
15.28% CET1 capital ratio against 15.49%; 8.13% tier 1 leverage ratio against 8.27%.
Inside the full First National Bank of America terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
First National Bank of America rankings
Its closest position to the top of a national ranking is 25 of 3,606, for efficiency ratio; its furthest is 840 of 980, for uninsured deposits.
Metric pages for First National Bank of America: ROA, Texas Ratio, Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.71% (Q1 2026) to 3.27% (Q1 2025) and its net interest margin ran from 4.67% (Q4 2024) to 4.77% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.28% | 2.87% | 1.90% | 20.56% | 4.76% |
| Q1 2026 | 15.17% | 2.71% | 1.88% | 20.47% | 4.68% |
| Q4 2025 | 15.13% | 3.00% | 1.82% | 19.72% | 4.76% |
| Q3 2025 | 15.29% | 2.76% | 1.74% | 18.44% | 4.77% |
| Q2 2025 | 15.49% | 2.78% | 1.76% | 18.45% | 4.73% |
| Q1 2025 | 15.79% | 3.27% | 1.62% | 16.75% | 4.73% |
| Q4 2024 | 15.32% | 3.00% | 1.46% | 15.84% | 4.67% |
| Q3 2024 | 16.22% | 3.02% | 1.38% | 14.33% | 4.72% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank of America (main office) | East Lansing , MI | 48823 | $3.35B |
| Grandville Branch | Grand Rapids , MI | 49508 | $306.2M |
| Traverse City Branch | Traverse City , MI | 49684 | $220.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- August 13, 2001, OCC: Formal Agreement: First National Bank Of America
- Period: Most recent institution action August 13, 2001. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.3% of deposits in MI, rank 11 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 6,003 applications, 2,709 loans originated, $790.3M originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $378K approved, $378K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First National Bank of America
What are First National Bank of America's total assets?
As of the Q2 2026 filing, First National Bank of America reported total assets of $6.82 billion in its FFIEC call report.
Where is First National Bank of America headquartered?
It is headquartered in East Lansing, MI, United States.
When was First National Bank of America founded?
It was established in 1955, per the FDIC institution directory.
Is First National Bank of America FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17438). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of America?
First National Bank of America's primary federal regulator is the OCC.
What is First National Bank of America's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.28% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank of America operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of America's Texas Ratio?
Its Texas Ratio is 20.56% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First National Bank of America previously called?
The charter now named First National Bank of America has also operated as First National Bank of Michigan (1978-1998), First National Bank of East Lansing (1970-1978), per FDIC structure-change records.
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