First National Bank & Trust: 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.
Reserve coverage of non-performing loans climbed 11.42 percentage points in Q2 2026, from 30.44% to 41.85%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, First National Bank & Trust is 58th of 72 on return on assets, 0.83% as of Q2 2026, below the middle of the field. First National Bank & Trust reported 0.83% on return on assets for Q2 2026, 0.42 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.32% |
| Tier 1 risk-based capital ratio | 15.32% |
| Total risk-based capital ratio | 16.58% |
| Tier 1 leverage ratio | 9.48% |
| Equity capital to assets | 9.56% |
| Tangible equity to tangible assets | 9.22% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 5.44% |
| Non-performing assets ratio | 3.12% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 29.74% |
| Allowance for credit losses to loans | 2.28% |
| Reserve coverage of non-performing loans | 41.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.83% |
| Return on equity | 9.34% |
| Net interest margin | 3.89% |
| Efficiency ratio | 65.86% |
| Yield on earning assets | 4.90% |
| Cost of funds | 1.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.67% |
| Core deposits to total deposits | 92.80% |
| Brokered deposits to total deposits | 4.44% |
| Deposits to assets | 87.38% |
| Securities to assets | 34.14% |
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 | 13.31% | 13.31% | 14.52% | 8.03% | 0.56% |
| Q4 2023 | 13.85% | 13.85% | 15.10% | 8.04% | 0.68% |
| Q1 2024 | 13.92% | 13.92% | 15.16% | 8.07% | 0.50% |
| Q2 2024 | 14.74% | 14.74% | 15.99% | 8.35% | 0.56% |
| Q3 2024 | 13.68% | 13.68% | 14.93% | 8.45% | 0.56% |
| Q4 2024 | 14.38% | 14.38% | 15.63% | 8.41% | 0.45% |
| Q1 2025 | 14.45% | 14.45% | 15.71% | 8.67% | 0.54% |
| Q2 2025 | 14.49% | 14.49% | 15.75% | 8.90% | 0.62% |
| Q3 2025 | 14.63% | 14.63% | 15.88% | 8.85% | 0.86% |
| Q4 2025 | 14.81% | 14.81% | 16.07% | 8.96% | 0.84% |
| Q1 2026 | 15.39% | 15.39% | 16.65% | 9.15% | 0.82% |
| Q2 2026 | 15.32% | 15.32% | 16.58% | 9.48% | 0.83% |
First National Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank & Trust, 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 First National Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5062) · FFIEC NIC profile (RSSD 251558)