First National Bank of America: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in East Lansing, First National Bank of America serves the Michigan market as a community-focused commercial bank. Total assets stand at $6.8B. The bank posts a strong 2.87% ROA and 35.63% ROE. Capital is comfortably above regulatory requirements, CET1 ratio of 15.28% sits well above the 7% level required once the capital conservation buffer is included. Asset quality merits closer attention with NPLs at 1.94%. 3 branches make up the footprint.
As of June 30, 2026, First National Bank of America reported a CET1 capital ratio of 15.28%, a return on assets of 2.87%, a nonperforming-loan ratio of 1.94%, a Texas ratio of 21.01%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 241 E Saginaw St, East Lansing, MI 48823
- County
- Ingham
- Metro Area
- Lansing-East Lansing, MI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 6, 1955
- Former names
- First National Bank of Michigan (1978-1998); First National Bank of East Lansing (1970-1978)
- Offices
- 3 domestic
- Employees (FTE)
- 412
- Domestic deposits
- $3.88B
- Allowance for credit losses
- $68.7M
- Net charge-offs (YTD)
- $458K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 6, 1955
- FDIC Cert
- 17438
- Fed RSSD
- 413141
- SEC CIK
- 1677393 → filed by FIRST NATIONAL BANCSHARES, INC.
- Website
- www.fnba.com →
- Parent Holding Company
- FIRST NATIONAL BANCSHARES, INC. (RSSD 1206313)
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 National Bank of America terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First National Bank of America, 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
First National Bank of America 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.
Metric pages for First National Bank of America: ROA, Texas Ratio, Efficiency 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 | 15.28% | 2.87% | 1.94% | 21.01% | 4.76% |
| Q1 2026 | 15.17% | 2.71% | 1.91% | 20.89% | 4.68% |
| Q4 2025 | 15.13% | 3.00% | 1.86% | 20.08% | 4.76% |
| Q3 2025 | 15.29% | 2.76% | 1.78% | 18.81% | 4.77% |
| Q2 2025 | 15.49% | 2.78% | 1.79% | 18.78% | 4.73% |
| Q1 2025 | 15.79% | 3.27% | 1.66% | 17.10% | 4.73% |
| Q4 2024 | 15.32% | 3.00% | 1.50% | 16.30% | 4.67% |
| Q3 2024 | 16.22% | 3.02% | 1.43% | 14.75% | 4.72% |
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 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank of America (main office) | East Lansing , MI | 48823 | $3.35B |
| Grandville Branch | Grand Rapids , MI | 49508 | $306.2M |
| Traverse City Branch | Traverse City , MI | 49684 | $220.3M |
Regulatory record
What the public regulatory sources show for First National Bank of America, 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
- 1 against the institution (OCC)
- August 13, 2001, OCC: Formal Agreement: First National Bank Of America
- Period: Most recent institution action August 13, 2001. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.3% of deposits in MI, rank 11 of 98 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 6,003 applications, 2,709 loans originated, $790.3M originated, across 51 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 National Bank of America
What are First National Bank of America's total assets?
As of the Q2 2026 filing, First National Bank of America reported total assets of $6.82 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank of America headquartered?
First National Bank of America is headquartered in East Lansing, MI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank of America founded?
First National Bank of America was established in 1955, per the FDIC institution directory.
Is First National Bank of America FDIC-insured?
Yes. First National Bank of America is an FDIC-insured commercial bank (FDIC Certificate #17438). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of America?
First National Bank of America's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First National Bank of America's CET1 capital ratio?
First National Bank of America reported a Common Equity Tier 1 (CET1) capital ratio of 15.28% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank of America operate?
First National Bank of America operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of America's Texas Ratio?
First National Bank of America's Texas Ratio is 21.01% 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 National Bank of America previously called?
The charter now named First National Bank of America has also operated as First National Bank of Michigan (1978-1998), First National Bank of East Lansing (1970-1978), per FDIC structure-change records.
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