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First Community Bank

Harbor Springs, MI
IDRSSD: 932745
Total Assets
$417.70M
Latest filing
Total Deposits
$371.88M
Latest filing
Net Interest Margin
5.37%
Profitability
0

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 ClassCommercial bank, state charter, Fed member, supervised by FRB
Primary RegulatorFED
Established Date11/01/1905
Community BankYes
Ownership TypeNot Mutual
ZIP49740
State and County Number26047
Subchapter S CorporationsYes
Trust PowersTrust Powers Not Granted
Federal Reserve ID Number07
Numeric code13
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameN/A

Operational Info

Number of Employees72
Domestic Offices10
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date10/09/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.firstcb.com
Data Updated11/14/2025
CERT13179
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$417.70M
Total Deposits$371.88M
Total Liabilities$377.23M
Total Equity Capital$40.48M
Net Income$2.01M
Net Loans and Leases$322.18M
Assets Per Employee ($Millions)$5.8M
Bank Premises and Fixed Assets$17.74M
Cash and Balances due from Depository Institutions$28.65M
Deposits Held in Domestic Offices$371.88M

Key Performance Ratios

Return on Assets (ROA)1.95%
Return on Equity (ROE)20.06%
Net Interest Margin5.37%
Efficiency Ratio63.65%
Tier 1 Risk-Based Capital Ratio12.278%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.69%
Earning Assets to total Assets91.83%

Income and Expense

Total Interest Income$5.86M
Total Noninterest Income$441.00k
Total Interest Expense$771.00k
Total Noninterest Expense$3.52M
Net Interest Income$5.09M
Pre-tax Net Operating Income$2.01M
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$2.89M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$2.47M
Total Liabilities and Capital$417.70M

Securities

Securities$39.35M
Available-for-sale debt securities$39.35M
Equity securities with readily determinable fair values not held for trading$0
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?
$417.70M as of the latest filing.
How much are First Community Bank's total deposits?
$371.88M in total deposits.
Where is First Community Bank located?
Harbor Springs, MI.
What is the Net Interest Margin?
5.37%.
How many domestic offices does it operate?
10.
When was it established?
11/01/1905.
What is the Return on Assets (ROA)?
1.95%.
How much are total loans and leases?
$322.18M (latest filing).
What is the total interest income (latest filing)?
$5.86M.