Visbanking Logo
Skip to main content

First National Bank Of Michigan

IDRSSD: 3404467
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q4QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #3404467 2025-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

Liquidity:Watch
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.9% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.05% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -8

The five pillars

Liquidity

WatchQoQ -4
53
Sub-score

Liquidity is deteriorating: brokered 19.0%, loans/deposits 103.9%, cash 2.0% of assets.

Cash / Assets
2.05%
Loans / Deposits
103.87%
Brokered %
18.98%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.9% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.05% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.29%
No watch items at this period.

Capitalization

StableQoQ -1
64
Sub-score

Capital position is stable: Tier 1 RBC 10.83%, CET1 10.83%, leverage 9.35%.

Tier 1 RBC
10.83%
CET1
10.83%
Leverage
9.35%
No watch items at this period.

Asset Quality

StrongQoQ -1
97
Sub-score

Asset quality is strong: Adjusted NPL 0.83%, Texas Ratio 6.5%, NCO YTD 0.07%.

Adjusted NPL
0.83%
Govt-guarantees stripped
Texas Ratio
6.5%
NCO YTD
0.07%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -8
86
Sub-score

Reserves are strong: ALLL 1.33% of loans, coverage 162.0%, true coverage 151.1%.

ALLL / Loans
1.33%
Coverage
162.0%
True Loss Coverage
151.1%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 08:35:11 UTC