First National Bank of Michigan
Kalamazoo, MI
IDRSSD: 3404467
Total Assets
$986.01M
Latest filing
Total Deposits
$772.26M
Latest filing
Net Interest Margin
3.20%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank of Michigan
348 W Michigan Ave
Kalamazoo, MI 49007
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/12/2006FDIC Certificate 444648
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Bank of Michigan (Main) | 348 W Michigan Ave | Kalamazoo, MI |
| WOODBRIDGE BRANCH | 2700 W Centre Ave | Portage, MI |
| FIRST NATIONAL BANK OF MICHIGAN-WEST SIDE OFFICE | 5313 W Main St | Kalamazoo, MI |
| GRAND RAPIDS BANKING CENTER | 141 Ionia Ave Nw | Grand Rapids, MI |
| HOLLAND BRANCH | 1 W 8th St | Holland, MI |
| LANSING BRANCH | 101 S Washington Sq | Lansing, MI |
| FIRST NATIONAL BANK OF MICHIGAN BRANCH | 101 S Washington Sq | Lansing, MI |
Showing 6 of 6
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 | 04/12/2006 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 49007 |
| State and County Number | 26077 |
| 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 | Kalamazoo-Portage, MI |
Operational Info
| Number of Employees | 81 |
| Domestic Offices | 7 |
| 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 | 04/12/2006 |
| Primary Insurance Agency | DIF |
| Website | www.fnbmichigan.bank |
| Data Updated | 01/30/2026 |
| CERT | 58259 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $986.01M |
| Total Deposits | $772.26M |
| Total Liabilities | $898.02M |
| Total Equity Capital | $87.98M |
| Net Income | $1.98M |
| Net Loans and Leases | $802.12M |
| Assets Per Employee ($Millions) | $12.17M |
| Bank Premises and Fixed Assets | $7.81M |
| Cash and Balances due from Depository Institutions | $20.17M |
| Deposits Held in Domestic Offices | $772.26M |
Key Performance Ratios
| Return on Assets (ROA) | 0.81% |
| Return on Equity (ROE) | 9.12% |
| Net Interest Margin | 3.2% |
| Efficiency Ratio | 63.45% |
| Tier 1 Risk-Based Capital Ratio | 10.833% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.923% |
| Earning Assets to total Assets | 95.66% |
Income and Expense
| Total Interest Income | $12.88M |
| Total Noninterest Income | $390.00k |
| Total Interest Expense | $5.38M |
| Total Noninterest Expense | $5.00M |
| Net Interest Income | $7.49M |
| Pre-tax Net Operating Income | $2.52M |
| Provision for Credit Losses | $358.00k |
| 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 | $117.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.26M |
| Total Liabilities and Capital | $986.01M |
Securities
| Securities | $122.57M |
| Available-for-sale debt securities | $122.57M |
| 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 Michigan?
$986.01M as of the latest filing.
How much are First National Bank of Michigan's total deposits?
$772.26M in total deposits.
Where is First National Bank of Michigan located?
Kalamazoo, MI.
What is the Net Interest Margin?
3.20%.
How many domestic offices does it operate?
7.
When was it established?
04/12/2006.
What is the Return on Assets (ROA)?
0.81%.
How much are total loans and leases?
$802.12M (latest filing).
What is the total interest income (latest filing)?
$12.88M.