First Community Bank (Harbor Springs, MI): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First Community Bank is a locally rooted FDIC-insured community bank based in Harbor Springs, MI. On its most recent Q2 2026 call report, First Community reported $414M in total assets against $358M in deposits. Profitability is strong, 1.92% ROA, paired with 19.62% ROE and a 5.42% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 11.96% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are pristine, with nonperforming loans at just 0.00%. It operates 10 branches, primarily in Michigan.
As of June 30, 2026, First Community Bank reported a CET1 capital ratio of 11.96%, a return on assets of 1.92%, a nonperforming-loan ratio of 0.00%, a Texas ratio of 0.00%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 200 E Main St, Harbor Springs, MI 49740
- County
- Emmet
- Metro Area
- Petoskey, MI
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- November 1, 1905
- Former names
- Harbor Springs State Bank (1976-1993); The Emmet County State Bank (1974-1976)
- Offices
- 10 domestic
- Employees (FTE)
- 69
- Domestic deposits
- $358.3M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $412.7M
- Average total loans
- $339.4M
- Average interest-bearing deposits
- $212.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13179
- Fed RSSD
- 932745
- Website
- www.firstcb.com →
- Parent Holding Company
- HARBOR SPRINGS FINANCIAL CORPORATION (RSSD 1208102)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Community Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Community Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Community Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.96% | 1.92% | 0.00% | 0.00% | 5.42% |
| Q1 2026 | 11.85% | 1.88% | 0.00% | 0.00% | 5.39% |
| Q4 2025 | 12.20% | 2.16% | 0.00% | 0.00% | 5.31% |
| Q3 2025 | 12.28% | 1.94% | 0.00% | 0.00% | 5.28% |
| Q2 2025 | 12.34% | 1.67% | 0.00% | 0.00% | 4.90% |
| Q1 2025 | 12.58% | 1.64% | 0.00% | 0.00% | 5.03% |
| Q4 2024 | 12.26% | 2.02% | 0.00% | 0.00% | 5.22% |
| Q3 2024 | 12.44% | 2.04% | 0.00% | 0.00% | 5.12% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Community Bank (main office) | Harbor Springs , MI | 49740 | $146.2M |
| Petoskey Main Office | Petoskey , MI | 49770 | $63.7M |
| Traverse City Main Branch | Traverse City , MI | 49684 | $62.9M |
| Grand Rapids Cascade Branch | Grand Rapids , MI | 49546 | $49.1M |
| Cheboygan Main Office Branch | Cheboygan , MI | 49721 | $20.1M |
| Birmingham Branch | Birmingham , MI | 48009 | $16.3M |
| Petoskey Division St Branch | Petoskey , MI | 49770 | $0 |
| Harbor Springs Lake St Branch | Harbor Springs , MI | 49740 | $0 |
| Petoskey Spring Street Branch | Petoskey , MI | 49770 | $0 |
| Harbor Springs Airport Branch | Harbor Springs , MI | 49740 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2012 | Structure Change | Acquired Select Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for First Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in MI, rank 56 of 98 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 27 applications, 23 loans originated, $9.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Community Bank
What are First Community Bank's total assets?
As of the Q2 2026 filing, First Community Bank reported total assets of $413.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Community Bank headquartered?
First Community Bank is headquartered in Harbor Springs, MI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Community Bank founded?
First Community Bank was established in 1905, per the FDIC institution directory.
Is First Community Bank FDIC-insured?
Yes. First Community Bank is an FDIC-insured commercial bank (FDIC Certificate #13179). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Community Bank?
First Community Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Community Bank's CET1 capital ratio?
First Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.96% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Community Bank operate?
First Community Bank operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Community Bank's Texas Ratio?
First Community Bank's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Community Bank previously called?
The charter now named First Community Bank has also operated as Harbor Springs State Bank (1976-1993), The Emmet County State Bank (1974-1976), per FDIC structure-change records.
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