Bank call report · Kalamazoo, MI
First National Bank of Michigan Call Report
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First National Bank of Michigan filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 307 reported line items, schedule by schedule (745 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 3404467 |
| FDIC certificate number | 58259 |
| Total assets | $988.9M |
Official Q2 2026 call report PDF (FFIEC) →
First National Bank of Michigan call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (22 items)
About Schedule RC · First National Bank of Michigan balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $988.9M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $988.9M |
| Total Liabilities and Minority Interest | RCON2948 | $898.8M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $826.3M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $814.4M |
| Total Deposits | RCON2200 | $807.2M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $659.6M |
| Deposits: Noninterest-bearing | RCON6631 | $147.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $100.1M |
| Total Equity Capital | RCON3210 | $90.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $90.0M |
| Other Borrowed Money | RCON3190 | $81.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $68.2M |
| Other Assets | RCON2160 | $33.2M |
| Interest-bearing Balances | RCON0071 | $28.8M |
| Surplus | RCON3839 | $16.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $11.9M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $11.1M |
| Other Liabilities, Total | RCON2930 | $10.6M |
| Common Stock | RCON3230 | $8.5M |
| Accumulated Other Comprehensive Income | RCONB530 | -$3.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.3M |
Schedule RI: Income Statement (35 items)
About Schedule RI · First National Bank of Michigan income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $26.2M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $24.7M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $18.8M |
| Net Interest Income | RIAD4074 | $15.8M |
| Total Interest Expense | RIAD4073 | $10.4M |
| Total Noninterest Expense | RIAD4093 | $9.8M |
| Salaries and Employee Benefits | RIAD4135 | $6.1M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $6.0M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $6.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $4.8M |
| Net Income (Loss) | RIAD4340 | $4.8M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $4.8M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $4.0M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $3.2M |
| Other Noninterest Expense | RIAD4092 | $2.6M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $2.3M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $2.2M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.9M |
| Other Interest Expense | RIADGW44 | $1.6M |
| Applicable Income Taxes | RIAD4302 | $1.2M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.1M |
| Provision for Loan and Lease Losses | RIAD4230 | $1.1M |
| Total Noninterest Income | RIAD4079 | $924K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $901K |
| Interest on Other Securities | RIAD4060 | $786K |
| Other Noninterest Income | RIADB497 | $592K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $332K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $321K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $206K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $139K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $55K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $11K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 78 |
Schedule RC-B: Securities (32 items)
About Schedule RC-B · First National Bank of Michigan securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $3.6M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $3.3M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $104.1M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $47.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $37.3M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $32.7M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $32.2M |
| Pledged Securities | RCON0416 | $27.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $27.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $26.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $24.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $13.8M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $13.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $12.1M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $11.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $11.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $10.7M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $6.7M |
| Amortized Cost of Structured Notes | RCON8782 | $6.6M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $6.6M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $6.6M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $6.4M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $6.2M |
| Fair Value of Structured Notes | RCON8783 | $6.2M |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $6.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $5.3M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $3.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $2.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $2.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $2.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $1.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $1.1M |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · First National Bank of Michigan loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $826.3M |
| Pledged Loans and Leases | RCONG378 | $421.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $344.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $295.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $198.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $159.5M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $148.1M |
| Commercial and Industrial Loans | RCON1766 | $115.7M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $107.7M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $89.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $55.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $53.5M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $46.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $45.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $23.2M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $16.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $12.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $11.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $9.6M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $1.4M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $1.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $353K |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $275K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $274K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $263K |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $256K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $146K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $3K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $74.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $30.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $10.7M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $7.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $549K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 171 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 158 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 140 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 83 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 50 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 7 |
Schedule RC-E: Deposit Liabilities (31 items)
About Schedule RC-E · First National Bank of Michigan deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $437.3M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $376.1M |
| Total Transaction Accounts | RCON2215 | $369.9M |
| Total Demand Deposits (See Note Below) | RCON2210 | $339.8M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $321.6M |
| Total reciprocal deposits | RCONJH83 | $251.4M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $181.3M |
| Total Brokered Deposits | RCON2365 | $181.3M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $180.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $144.5M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $92.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $71.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $68.2M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $68.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $66.2M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $57.1M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $46.3M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $40.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $38.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $29.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $26.6M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $23.1M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $17.5M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $14.9M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $8.0M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $7.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $3.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $1.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $998K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $931K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $399K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $13.4M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $11.3M |
| Net Deferred Tax Assets | RCON2148 | $4.0M |
| Accrued Interest Receivable | RCONB556 | $2.8M |
| Other Assets | RCON2168 | $1.7M |
| Prepaid Expenses | RCON2166 | $1.5M |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $5.3M |
| Other Expenses Accrued and Unpaid | RCON3646 | $3.8M |
| Operating lease liabilities | RCONLB56 | $2.3M |
| Deferred Compensation Liabilities | RCONC011 | $1.9M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $1.1M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $497K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · First National Bank of Michigan quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $977.8M |
| Quarterly Average of Total Loans | RCON3360 | $828.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $649.2M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $200.9M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $198.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $162.4M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $115.4M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $83.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $65.5M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $63.4M |
| All Other Securities | RCONB560 | $42.7M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $38.4M |
| Mortgage-backed Securities | RCONB559 | $27.1M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $11.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $384K |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $220K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · First National Bank of Michigan derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $161.5M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $27.6M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $22.1M |
| Performance Standby Letters of Credit | RCON3821 | $1.6M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $543K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $266K |
Schedule RC-M: Memoranda (8 items)
About Schedule RC-M · First National Bank of Michigan memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $50.0M |
| FHLB Advances: Structured Advances | RCONF059 | $50.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $24.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $20.0M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF060 | $11.0M |
| Other Borrowings: with a Remaining Maturity of One Year or Less | RCONB571 | $11.0M |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $11.0M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 4 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (8 items)
About Schedule RC-N · First National Bank of Michigan past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $6.6M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $4.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $1.7M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $447K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $413K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $81K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $48K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $34K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · First National Bank of Michigan other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $977.8M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $807.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $526.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $279.6M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $94.6M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $1.6M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 8,407 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 370 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 37 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · First National Bank of Michigan regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · First National Bank of Michigan regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $977.8M |
| Average total consolidated assets | RCOAKW03 | $977.8M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $851.1M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $103.9M |
| Common Equity Tier 1 Capital | RCOAP859 | $93.3M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $93.3M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $93.3M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $90.0M |
| Retained Earnings | RCOAKW00 | $68.2M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $25.1M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $10.7M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $10.7M |
| Tier 2 Capital Before Deductions | RCOAP870 | $10.7M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$3.2M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$3.2M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1221 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1096 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1096 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0954 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0421 |
Schedule RC-R, Part II: Risk-Weighted Assets (52 items)
About Schedule RC-R, Part II · First National Bank of Michigan risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $853.4M |
| Total Risk-weighted Assets | RCONG641 | $851.1M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $749.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $749.1M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $748.5M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $715.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $698.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $130.8M |
| Unconditionally Cancellable Commitments | RCONS540 | $119.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $105.9M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $104.3M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $100.1M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $98.0M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $92.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $92.8M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $73.8M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $65.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $53.1M |
| Total All Other Assets | RCOND981 | $44.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $42.4M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $42.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $39.0M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $36.6M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $30.1M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $29.1M |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $26.5M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $26.5M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $21.2M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $17.7M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $16.5M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$16.0M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $12.4M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $11.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $11.8M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $11.8M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $11.8M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $11.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 20% | RCONS528 | $7.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $7.8M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $6.8M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $6.7M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $6.5M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $6.5M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$4.0M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $1.6M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $970K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $820K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $747K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $695K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $231K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 0 Pct Risk Weight Category | RCOND999 | $125K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $48K |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $90.0M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $88.0M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $88.0M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $3.5M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $371K |
| Other Comprehensive Income | RIADB511 | $355K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (2 items)
About Schedule RI-B, Part I · First National Bank of Michigan charge-offs and recoveries on loans and leases trends
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · First National Bank of Michigan changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $11.9M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $10.8M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$168K |
First National Bank of Michigan call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the First National Bank of Michigan call report?
The First National Bank of Michigan call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does First National Bank of Michigan file?
First National Bank of Michigan files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the First National Bank of Michigan call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: First National Bank of Michigan has Federal Reserve RSSD ID 3404467 and FDIC certificate number 58259. Either one finds its filings on the FFIEC Central Data Repository.
How often does First National Bank of Michigan file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
First National Bank of Michigan financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 58259) · FFIEC NIC profile (RSSD 3404467)