First National Bank of Michigan
Also written as FNB of Michigan
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Michigan is an FDIC-insured commercial bank headquartered in Kalamazoo, MI, established in 2006 (FDIC certificate 58259), and it is supervised by the OCC. At Q2 2026 it reported total assets of $988.9M, up 0.8% from Q2 2025, the 19th largest of 72 banks headquartered in Michigan. Its CET1 capital ratio was 10.96% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 58259
- Headquarters
- Kalamazoo, MI
- Established
- 2006
- Total assets, Q2 2026
- $988.9M
- Assets vs Q2 2025
- +0.8%
- CET1 ratio, Q2 2026
- 10.96%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 072414239
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Michigan call report
- Holding company
- FIRST NATIONAL BANCORP, INC.
- Asset rank in state
- 19th of 72 in Michigan
Problem loans are rising at First National Bank of Michigan. Its balance sheet stood at $989 million at June 30, 2026; it is based in Kalamazoo, Michigan. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.80% of loans from 0.04% a year earlier. It holds common equity equal to 10.96% of its risk-weighted assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 15.11%). It also holds commercial real estate loans worth 4.7 times its capital, 4.0 times the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $2.6 million, 53% above the same quarter a year earlier. Funding is the softer spot: it pays an average of 2.44% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, First National Bank of Michigan reported a CET1 capital ratio of 10.96%, a return on assets of 1.05%, a nonperforming-loan ratio of 0.80% and a Texas ratio of 6.47%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank of Michigan is the 19th largest of the 72 banks headquartered in Michigan. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.7% to $988.9M, loans rose 0.1% and deposits rose 6.1%. Non-owner-occupied commercial real estate loans made up 41.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 17.9%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in MI; its Kalamazoo 2 offices book 54% of its branch deposits. By the capital ratios in its Q2 2026 call report, First National Bank of Michigan meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 348 W Michigan Ave, Kalamazoo, MI 49007
- County
- Kalamazoo
- Metro Area
- Kalamazoo-Portage, 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 051
- Established
- April 12, 2006
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 78
- Domestic deposits
- $807.2M
- Allowance for credit losses
- $11.9M
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $977.8M
- Average total loans
- $828.3M
- Average interest-bearing deposits
- $627.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 12, 2006
- FDIC Cert
- 58259
- Fed RSSD
- 3404467
- Website
- www.fnbmichigan.bank →
- Parent Holding Company
- FIRST NATIONAL BANCORP, INC. (RSSD 3404458)
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
From Q3 2023 to Q2 2026, First National Bank of Michigan's total assets ranged from $959.6M (Q1 2025) to $1.01B (Q1 2024), 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
$988.9M total assets against $980.6M; $898.8M total liabilities against $896.1M.
$814.4M net loans and leases against $765.4M; $807.2M total deposits against $777.1M.
$100.1M securities against $150.5M; $30.1M cash and balances due against $22.4M.
$13.3M total interest income against $12.4M; $5.2M total interest expense against $5.8M.
$8.1M net interest income against $6.7M.
$515K total noninterest income against $372K; $5.0M total noninterest expense against $4.6M.
$419K provision for credit losses against $461K.
$2.6M net income against $1.7M.
1.05% return on assets against 0.69%; 3.39% net interest margin against 2.81%.
10.96% CET1 capital ratio against 10.88%; 9.54% tier 1 leverage ratio against 9.26%.
Inside the full First National Bank of Michigan 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
First National Bank of Michigan rankings
Its closest position to the top of a national ranking is 1,048 of 4,196, for total assets; its furthest is 1,967 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.42% (Q3 2024) to 1.05% (Q2 2026) and its net interest margin ran from 2.26% (Q3 2024) to 3.39% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.96% | 1.05% | 0.80% | 6.47% | 3.39% |
| Q1 2026 | 10.94% | 0.92% | 0.80% | 6.57% | 3.19% |
| Q4 2025 | 10.83% | 0.81% | 0.82% | 6.77% | 3.13% |
| Q3 2025 | 10.95% | 0.91% | 0.65% | 5.31% | 2.93% |
| Q2 2025 | 10.88% | 0.69% | 0.04% | 0.29% | 2.81% |
| Q1 2025 | 10.85% | 0.65% | 0.09% | 0.77% | 2.63% |
| Q4 2024 | 10.71% | 0.61% | 0.11% | 0.94% | 2.53% |
| Q3 2024 | 10.84% | 0.42% | 0.04% | 0.31% | 2.26% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 Michigan (main office) | Kalamazoo , MI | 49007 | $323.7M |
| Woodbridge Branch | Portage , MI | 49024 | $157.5M |
| Grand Rapids Banking Center | Grand Rapids , MI | 49503 | $128.3M |
| First National Bank of Michigan-West Side Office | Kalamazoo , MI | 49009 | $116.1M |
| Holland Branch | Holland , MI | 49423 | $48.0M |
| Lansing Branch | Lansing , MI | 48933 | $33.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- November 22, 1993, OCC (former OTS): Supervisory Agreement: First Federal of Michigan
- Period: Most recent institution action November 22, 1993. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in MI, rank 32 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $5.9M approved, $2.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 Michigan
What are First National Bank of Michigan's total assets?
As of the Q2 2026 filing, First National Bank of Michigan reported total assets of $988.9 million in its FFIEC call report.
Where is First National Bank of Michigan headquartered?
It is headquartered in Kalamazoo, MI, United States.
When was First National Bank of Michigan founded?
It was established in 2006, per the FDIC institution directory.
Is First National Bank of Michigan FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58259). 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 Michigan?
First National Bank of Michigan's primary federal regulator is the OCC.
What is First National Bank of Michigan's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.96% in its Q2 2026 call report, above regulatory requirements.
How many branches does First National Bank of Michigan operate?
It operates 7 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 Michigan's Texas Ratio?
Its Texas Ratio is 6.47% 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.
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