First Community Bank
Harbor Springs, MI
IDRSSD: 932745
Total Assets
$403.40M
Latest filing
Total Deposits
$352.57M
Latest filing
Net Interest Margin
5.34%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Community Bank
200 E Main St
Harbor Springs, MI 49740
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/01/1905FDIC Certificate 8339
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First Community Bank (Main) | 200 E Main St | Harbor Springs, MI |
| HARBOR SPRINGS AIRPORT BRANCH | 8201 Harbor-Petoskey Rd | Harbor Springs, MI |
| HARBOR SPRINGS LAKE ST BRANCH | 115 E Lake St | Harbor Springs, MI |
| PETOSKEY DIVISION ST BRANCH | 2201 E Mitchell Rd | Petoskey, MI |
| PETOSKEY MAIN OFFICE | 330 E Mitchell St | Petoskey, MI |
| CHEBOYGAN MAIN OFFICE BRANCH | 201 N Main St | Cheboygan, MI |
| PETOSKEY SPRING STREET BRANCH | 930 Spring St | Petoskey, MI |
| TRAVERSE CITY MAIN BRANCH | 107 Cass Street, Suite 6 | Traverse City, MI |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 11/01/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 49740 |
| State and County Number | 26047 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 72 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/09/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.firstcb.com |
| Data Updated | 01/30/2026 |
| CERT | 13179 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $403.40M |
| Total Deposits | $352.57M |
| Total Liabilities | $362.60M |
| Total Equity Capital | $40.80M |
| Net Income | $2.20M |
| Net Loans and Leases | $325.47M |
| Assets Per Employee ($Millions) | $5.76M |
| Bank Premises and Fixed Assets | $16.67M |
| Cash and Balances due from Depository Institutions | $11.41M |
| Deposits Held in Domestic Offices | $352.57M |
Key Performance Ratios
| Return on Assets (ROA) | 2.14% |
| Return on Equity (ROE) | 21.64% |
| Net Interest Margin | 5.34% |
| Efficiency Ratio | 60.33% |
| Tier 1 Risk-Based Capital Ratio | 12.197% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.115% |
| Earning Assets to total Assets | 91.74% |
Income and Expense
| Total Interest Income | $5.75M |
| Total Noninterest Income | $515.00k |
| Total Interest Expense | $723.00k |
| Total Noninterest Expense | $3.34M |
| Net Interest Income | $5.03M |
| Pre-tax Net Operating Income | $2.20M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $7.86M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.17M |
| Total Liabilities and Capital | $403.40M |
Securities
| Securities | $40.11M |
| Available-for-sale debt securities | $40.11M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Community Bank?
$403.40M as of the latest filing.
How much are First Community Bank's total deposits?
$352.57M in total deposits.
Where is First Community Bank located?
Harbor Springs, MI.
What is the Net Interest Margin?
5.34%.
How many domestic offices does it operate?
10.
When was it established?
11/01/1905.
What is the Return on Assets (ROA)?
2.14%.
How much are total loans and leases?
$325.47M (latest filing).
What is the total interest income (latest filing)?
$5.75M.