The First National Bank of Saint Ignace: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Securities to assets fell 0.67 percentage points from Q1 2026 to Q2 2026, ending at 49.37% against 50.04%. It was the largest change among the key lines on this page. Within Michigan, The First National Bank of Saint Ignace is 63rd of 72 on return on assets, 0.64% as of Q2 2026, below the middle of the field. The First National Bank of Saint Ignace reported 0.64% on return on assets for Q2 2026, 0.61 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.19% |
| Tier 1 risk-based capital ratio | 16.19% |
| Total risk-based capital ratio | 16.73% |
| Tier 1 leverage ratio | 7.78% |
| Equity capital to assets | 5.25% |
| Tangible equity to tangible assets | 5.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.49% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 6.71% |
| Allowance for credit losses to loans | 0.77% |
| Reserve coverage of non-performing loans | 155.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.64% |
| Return on equity | 11.93% |
| Net interest margin | 2.91% |
| Efficiency ratio | 74.72% |
| Yield on earning assets | 3.95% |
| Cost of funds | 1.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 35.41% |
| Core deposits to total deposits | 94.60% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 94.18% |
| Securities to assets | 49.37% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.78% | 12.78% | 13.39% | 6.03% | 0.04% |
| Q4 2023 | 13.51% | 13.51% | 14.12% | 6.17% | 0.57% |
| Q1 2024 | 13.83% | 13.83% | 14.45% | 6.50% | -0.46% |
| Q2 2024 | 16.62% | 16.62% | 17.30% | 8.03% | 4.91% |
| Q3 2024 | 16.47% | 16.47% | 17.12% | 7.10% | -0.01% |
| Q4 2024 | 16.65% | 16.65% | 17.29% | 7.21% | 0.38% |
| Q1 2025 | 15.33% | 15.33% | 15.94% | 7.62% | -0.03% |
| Q2 2025 | 15.58% | 15.58% | 16.21% | 7.71% | 0.01% |
| Q3 2025 | 16.42% | 16.42% | 17.07% | 6.99% | 0.23% |
| Q4 2025 | 16.01% | 16.01% | 16.62% | 7.09% | -0.24% |
| Q1 2026 | 16.03% | 16.03% | 16.58% | 7.42% | 0.63% |
| Q2 2026 | 16.19% | 16.19% | 16.73% | 7.78% | 0.64% |
The First National Bank of Saint Ignace vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Saint Ignace, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First National Bank of Saint Ignace profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5074) · FFIEC NIC profile (RSSD 381950)