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First National Bank & Trust Locations & Branches Iron Mountain, Michigan
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First National Bank & Trust operates 7 branches from its headquarters in Iron Mountain, MI, .
First National Bank & Trust branch network
All 7 branches are in MICHIGAN, across 5 cities. Iron Mountain, MI has the most of its branches, 2. Its largest office by deposits is the First National Bank & Trust Co. office in Iron Mountain, MI, with $224.0M (66.3% of its branch deposits). It had the same number of branches on June 30, 2025.
First National Bank & Trust at a glance
Its CET1 capital ratio was 15.32% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $386.4M
- CET1 ratio, Q2 2026
- 15.32%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1887
Full financial profile · Is First National Bank & Trust safe? · First National Bank & Trust call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Iron Mountain, MI (2 branches) | 1 of 7 | 49.5% | $241.5M |
| State: MI (7 branches) | 58 of 95 | 0.1% | $337.6M |
Ranked by total assets among banks headquartered in the state: Largest banks in Michigan.
Share by county and metro area
First National Bank & Trust's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Dickinson, MI (3 branches) | 1 of 8 | 39.0% | $283.7M | $727.1M |
| Iron, MI (1 branch) | 3 of 4 | 16.6% | $31.7M | $191.1M |
| Menominee, MI (1 branch) | 4 of 5 | 7.2% | $22.2M | $306.5M |
| Marquette, MI (2 branches) | 8 of 8 | — | $0 | $1.29B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Iron Mountain, MI-WI (3 branches) | 1 of 9 | 32.3% | $283.7M | $878.2M |
| Marinette, WI-MI (1 branch) | 8 of 9 | 1.5% | $22.2M | $1.52B |
| Marquette, MI (2 branches) | 8 of 8 | — | $0 | $1.29B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank & Trust Co. | Iron Mountain, MI | 49801 | $224.0M |
| Kingsford Branch | Kingsford, MI | 49802 | $42.2M |
| Iron River Branch | Iron River, MI | 49935 | $31.7M |
| North Menomine Branch | Menominee, MI | 49858 | $22.2M |
| South Branch | Iron Mountain, MI | 49801 | $17.6M |
| First National Trust & Wealth Management Branch | Marquette, MI | 49855 | $0 |
| Marquette Trust Office | Marquette, MI | 49855 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 5062) · FFIEC NIC profile (RSSD 251558)