First National Bank & Trust Co.
Iron Mountain, MI
IDRSSD: 251558
Total Assets
$412.11M
Latest filing
Total Deposits
$355.19M
Latest filing
Net Interest Margin
3.79%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank & Trust Co.
233 S Stephenson Ave
Iron Mountain, MI 49801
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1887FDIC Certificate 3380
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Bank & Trust Co. (Main) | 233 S Stephenson Ave | Iron Mountain, MI |
| KINGSFORD BRANCH | 128 S Carpenter Ave | Kingsford, MI |
| SOUTH BRANCH | W 8151 Us 2 | Iron Mountain, MI |
| IRON RIVER BRANCH | 901 Riverside Plz | Iron River, MI |
| FIRST NATIONAL TRUST & WEALTH MANAGEMENT BRANCH | 3165 Wright St | Marquette, MI |
| MARQUETTE TRUST OFFICE | 3165 Wright St | Marquette, MI |
| NORTH MENOMINE BRANCH | 3805 10th St | Menominee, MI |
Showing 6 of 6
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
First Community Bank
Harbor Springs, Michigan
→
Assets: $417.70MΔ +0.1%
Chelsea State Bank
Chelsea, Michigan
→
Assets: $414.33MΔ -0.7%
Honor Bank
Honor, Michigan
→
Assets: $432.00MΔ +3.5%
State Savings Bank
Frankfort, Michigan
→
Assets: $443.66MΔ +6.3%
The Shelby State Bank
Shelby, Michigan
→
Assets: $385.80MΔ -7.5%
Lake-Osceola State Bank
Baldwin, Michigan
→
Assets: $453.34MΔ +8.7%
Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1887 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 49801 |
| State and County Number | 26043 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 09 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Iron Mountain, MI-WI |
Operational Info
| Number of Employees | 70 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbimk.com |
| Data Updated | 01/30/2026 |
| CERT | 5062 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $412.11M |
| Total Deposits | $355.19M |
| Total Liabilities | $376.79M |
| Total Equity Capital | $35.32M |
| Net Income | $884.00k |
| Net Loans and Leases | $206.08M |
| Assets Per Employee ($Millions) | $6.15M |
| Bank Premises and Fixed Assets | $4.99M |
| Cash and Balances due from Depository Institutions | $40.85M |
| Deposits Held in Domestic Offices | $355.19M |
Key Performance Ratios
| Return on Assets (ROA) | 0.85% |
| Return on Equity (ROE) | 10.22% |
| Net Interest Margin | 3.79% |
| Efficiency Ratio | 72.52% |
| Tier 1 Risk-Based Capital Ratio | 14.814% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.29% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.571% |
| Earning Assets to total Assets | 91.05% |
Income and Expense
| Total Interest Income | $4.50M |
| Total Noninterest Income | $1.10M |
| Total Interest Expense | $930.00k |
| Total Noninterest Expense | $3.38M |
| Net Interest Income | $3.56M |
| Pre-tax Net Operating Income | $982.00k |
| Provision for Credit Losses | $300.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $157.00k |
| Other borrowed funds | $20.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.61M |
| Total Liabilities and Capital | $412.11M |
Securities
| Securities | $142.39M |
| Available-for-sale debt securities | $142.39M |
| 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 National Bank & Trust Co.?
$412.11M as of the latest filing.
How much are First National Bank & Trust Co.'s total deposits?
$355.19M in total deposits.
Where is First National Bank & Trust Co. located?
Iron Mountain, MI.
What is the Net Interest Margin?
3.79%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1887.
What is the Return on Assets (ROA)?
0.85%.
How much are total loans and leases?
$206.08M (latest filing).
What is the total interest income (latest filing)?
$4.50M.