First National Bank of America
East Lansing, MI
IDRSSD: 413141
Total Assets
$6.70B
Latest filing
Total Deposits
$3.84B
Latest filing
Net Interest Margin
4.86%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
072412435EAST LANSING, MI
Key People
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Locations
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Main Office
First National Bank of America
241 E Saginaw St
East Lansing, MI 48823
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/06/1955FDIC Certificate 11431
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Bank of America (Main) | 241 E Saginaw St | East Lansing, MI |
| TRAVERSE CITY BRANCH | 315 N Division St | Traverse City, MI |
| GRANDVILLE BRANCH | 4660 Kalamazoo Ave Se | Grand Rapids, MI |
Showing 2 of 2
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 05/06/1955 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 48823 |
| State and County Number | 26065 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| 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 | Lansing-East Lansing, MI |
Operational Info
| Number of Employees | 378 |
| Domestic Offices | 3 |
| 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 | 05/06/1955 |
| Primary Insurance Agency | DIF |
| Website | www.fnba.com |
| Data Updated | 01/30/2026 |
| CERT | 17438 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $6.70B |
| Total Deposits | $3.84B |
| Total Liabilities | $6.16B |
| Total Equity Capital | $536.58M |
| Net Income | $49.35M |
| Net Loans and Leases | $6.14B |
| Assets Per Employee ($Millions) | $17.77M |
| Bank Premises and Fixed Assets | $13.34M |
| Cash and Balances due from Depository Institutions | $275.36M |
| Deposits Held in Domestic Offices | $3.84B |
Key Performance Ratios
| Return on Assets (ROA) | 2.98% |
| Return on Equity (ROE) | 37.05% |
| Net Interest Margin | 4.86% |
| Efficiency Ratio | 24.09% |
| Tier 1 Risk-Based Capital Ratio | 15.135% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.008% |
| Earning Assets to total Assets | 96.81% |
Income and Expense
| Total Interest Income | $136.80M |
| Total Noninterest Income | $4.64M |
| Total Interest Expense | $58.74M |
| Total Noninterest Expense | $19.92M |
| Net Interest Income | $78.06M |
| Pre-tax Net Operating Income | $61.70M |
| Provision for Credit Losses | $1.08M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $5.97M |
| Other borrowed funds | $2.28B |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $51.59M |
| Total Liabilities and Capital | $6.70B |
Securities
| Securities | $78.16M |
| Available-for-sale debt securities | $62.07M |
| 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 of America?
$6.70B as of the latest filing.
How much are First National Bank of America's total deposits?
$3.84B in total deposits.
Where is First National Bank of America located?
East Lansing, MI.
What is the Net Interest Margin?
4.86%.
How many domestic offices does it operate?
3.
When was it established?
05/06/1955.
What is the Return on Assets (ROA)?
2.98%.
How much are total loans and leases?
$6.14B (latest filing).
What is the total interest income (latest filing)?
$136.80M.