First National Bank of Michigan: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank of Michigan of Kalamazoo, MI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.05% | 1.34% | -0.29% | 36th below |
| ROAE | 11.45% | 13.32% | -1.87% | 44th below |
| Net Interest Margin | 3.39% | 3.93% | -0.54% | 23rd bottom |
| Efficiency Ratio | 57.70% | 61.14% | -3.44% | 61st above |
| PPNR / Avg Assets | 1.49% | 1.68% | -0.19% | 44th below |
| Yield on Earning Assets | 5.57% | 5.67% | -0.10% | 49th below |
| Cost of Funds | 2.44% | 1.88% | +0.56% | 17th bottom |
| Net Interest Spread | 2.76% | 3.32% | -0.56% | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.97% | 0.94% | +0.03% | 29th below |
| NPA / Total Assets | 0.81% | 0.70% | +0.11% | 26th below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 78th top |
| ACL / Total Loans | 1.44% | 1.28% | +0.16% | 74th above |
| ACL / NPLs (Coverage) | 148.40% | 1540.13% | -1391.73% | 40th below |
| Texas Ratio | 7.87% | 7.33% | +0.54% | 28th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.96% | 19.52% | -8.56% | 8th bottom |
| Tier 1 Ratio | 10.96% | 19.55% | -8.59% | 8th bottom |
| Total Capital Ratio | 12.21% | 20.63% | -8.42% | 9th bottom |
| Leverage Ratio | 9.54% | 12.14% | -2.60% | 23rd bottom |
| Equity / Assets | 9.11% | 11.38% | -2.27% | 29th below |
| TCE / Tangible Assets | 9.11% | 11.09% | -1.98% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.37% | 80.62% | +21.75% | 8th bottom |
| Core Deposit Ratio | 68.69% | 86.88% | -18.19% | 4th bottom |
| Wholesale Funding Ratio | 8.19% | 5.03% | +3.16% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.84% | 6.86% | -6.02% | 24th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.51% | 7.90% | -1.39% | 57th above |
| Deposit Growth (Y/Y) | 3.87% | 6.29% | -2.42% | 49th below |
See First National Bank of Michigan's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of Michigan, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First National Bank of Michigan profile, how to read a UBPR, or how this data updates.