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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Gladstone, MI · FDIC certificate #14276
FIRST BANK UPPER MICHIGAN is an FDIC-insured institution based in Gladstone, MI (FDIC certificate #14276). In its Q3 2026 Call Report it reported total assets of $648M, total deposits of $548M and net loans of $472M. Its primary federal regulator is FDIC.
Reported facts
FIRST BANK UPPER MICHIGAN (FDIC certificate #14276) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $648M |
|---|---|
| Total deposits | $548M |
| Net loans and leases | $472M |
| Return on assets | 2.03% |
| Return on equity | 15.64% |
| Net interest margin | 4.46% |
| Quarterly asset change | 3.00% |
| Quarterly deposit change | 3.71% |
Plain-language readout
FIRST BANK UPPER MICHIGAN in Gladstone, MI reported total assets of $648M, total deposits of $548M and net loans of $472M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 2.03%, a return on equity of 15.64%, a net interest margin of 4.46%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $648M | $548M | $472M | 2.03% | 15.64% | 4.46% |
| Q2 2026 | $629M | $528M | $446M | 2.03% | 15.50% | 4.39% |
| Q1 2026 | $632M | $532M | $441M | 1.95% | 14.93% | 4.32% |
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