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Data through Q3 2026 · 4,200 institutions
Regulatory profile
East Lansing, MI · FDIC certificate #17438 · RSSD 413141
FIRST NB OF AMERICA is an FDIC-insured institution based in East Lansing, MI (FDIC certificate #17438). In its Q3 2026 Call Report it reported total assets of $7.0B, total deposits of $3.9B and net loans of $6.4B. Its primary federal regulator is OCC. Its current parent is FIRST NATIONAL BANCSHARES, INC..
Plain-language readout
FIRST NB OF AMERICA has 41 quarters of reported history on file, from Q3 2016 to Q3 2026.
Total assets peaked at $7.0B in Q3 2026 and were lowest at $1.0B in Q3 2016.
Total deposits were highest at $3.9B in Q3 2026 and lowest at $798M in Q3 2016.
Over the whole period total assets rose 566.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $7.0B | $3.9B | $6.4B | 2.71% | 34.29% | 4.82% |
| Q2 2026 | $6.8B | $3.9B | $6.2B | 2.79% | 34.72% | 4.86% |
| Q1 2026 | $6.8B | $3.8B | $6.2B | 2.71% | 33.85% | 4.82% |
| Q4 2025 | $6.7B | $3.8B | $6.1B | 2.94% | 36.23% | 4.86% |
| Q3 2025 | $6.6B | $3.8B | $6.0B | 2.92% | 35.97% | 4.86% |
| Q2 2025 | $6.4B | $3.7B | $5.9B | 3.02% | 36.98% | 4.85% |
| Q1 2025 | $6.4B | $3.7B | $5.8B | 3.27% | 40.15% | 4.86% |
| Q4 2024 | $6.3B | $3.7B | $5.8B | 2.95% | 35.35% | 4.85% |
| Q3 2024 | $6.1B | $3.6B | $5.6B | 2.94% | 34.78% | 4.86% |
| Q2 2024 | $6.0B | $3.5B | $5.4B | 2.90% | 34.41% | 4.88% |
| Q1 2024 | $5.8B | $3.4B | $5.3B | 2.82% | 33.95% | 4.85% |
| Q4 2023 | $5.6B | $3.3B | $5.1B | 2.63% | 31.71% | 4.93% |
Recent activity
Deterministic, evidence-linked observations only — not a prediction, rating or recommendation. What counts as Notable.
First National Bank of America changed deposits by $40.7M and market share by 1.188497 points in Grand Traverse County, MI
Source ↗First National Bank of America changed deposits by $139M and market share by 0.635862 points in Ingham County, MI
Source ↗First National Bank of America changed deposits by $194M and market share by 0.092982 points in MI
Source ↗First National Bank of America changed deposits by $14.5M and market share by -0.011142 points in Kent County, MI
Source ↗Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $7.0B | $3.9B | $6.4B | 2.71% | 34.29% | 4.82% |
| 2026-06-30 | $6.8B | $3.9B | $6.2B | 2.79% | 34.72% | 4.86% |
| 2026-03-31 | $6.8B | $3.8B | $6.2B | 2.71% | 33.85% | 4.82% |
| 2025-12-31 | $6.7B | $3.8B | $6.1B | 2.94% | 36.23% | 4.86% |
| 2025-09-30 | $6.6B | $3.8B | $6.0B | 2.92% | 35.97% | 4.86% |
| 2025-06-30 | $6.4B | $3.7B | $5.9B | 3.02% | 36.98% | 4.85% |
| 2025-03-31 | $6.4B | $3.7B | $5.8B | 3.27% | 40.15% | 4.86% |
| 2024-12-31 | $6.3B | $3.7B | $5.8B | 2.95% | 35.35% | 4.85% |
| 2024-09-30 | $6.1B | $3.6B | $5.6B | 2.94% | 34.78% | 4.86% |
| 2024-06-30 | $6.0B | $3.5B | $5.4B | 2.90% | 34.41% | 4.88% |
| 2024-03-31 | $5.8B | $3.4B | $5.3B | 2.82% | 33.95% | 4.85% |
| 2023-12-31 | $5.6B | $3.3B | $5.1B | 2.63% | 31.71% | 4.93% |
| 2023-09-30 | $5.3B | $3.1B | $4.8B | 2.67% | 31.97% | 4.96% |
| 2023-06-30 | $5.0B | $3.0B | $4.6B | 2.75% | 32.71% | 5.03% |
| 2023-03-31 | $4.8B | $2.9B | $4.4B | 2.72% | 32.55% | 5.04% |
| 2022-12-31 | $4.6B | $2.8B | $4.2B | 3.22% | 37.84% | 5.90% |
| 2022-09-30 | $4.2B | $2.7B | $3.9B | 3.37% | 39.30% | 6.12% |
| 2022-06-30 | $3.8B | $2.4B | $3.5B | 3.48% | 39.90% | 6.25% |
| 2022-03-31 | $3.5B | $2.2B | $3.2B | 3.65% | 40.68% | 6.38% |
| 2021-12-31 | $3.3B | $2.2B | $3.0B | 3.74% | 37.93% | 6.48% |
| 2021-09-30 | $3.2B | $2.0B | $2.9B | 3.82% | 37.86% | 6.43% |
| 2021-06-30 | $3.1B | $2.0B | $2.8B | 3.87% | 37.76% | 6.38% |
| 2021-03-31 | $3.0B | $1.9B | $2.7B | 3.53% | 35.18% | 6.30% |
| 2020-12-31 | $3.0B | $1.9B | $2.7B | 2.94% | 31.14% | 5.77% |
| 2020-09-30 | $2.8B | $1.8B | $2.6B | 2.81% | 30.07% | 5.64% |
| 2020-06-30 | $2.7B | $1.7B | $2.5B | 2.62% | 28.39% | 5.44% |
| 2020-03-31 | $2.7B | $1.7B | $2.4B | 2.53% | 27.70% | 5.38% |
| 2019-12-31 | $2.5B | $1.6B | $2.3B | 2.54% | 28.22% | 5.59% |
| 2019-09-30 | $2.3B | $1.5B | $2.1B | 2.48% | 27.74% | 5.58% |
| 2019-06-30 | $2.2B | $1.4B | $2.0B | 2.42% | 27.25% | 5.56% |
| 2019-03-31 | $2.0B | $1.3B | $1.8B | 2.40% | 27.70% | 5.58% |
| 2018-12-31 | $1.8B | $1.1B | $1.6B | 2.45% | 27.37% | 6.06% |
| 2018-09-30 | $1.7B | $1.1B | $1.5B | 2.71% | 30.03% | 6.23% |
| 2018-06-30 | $1.6B | $1.0B | $1.4B | 2.77% | 30.55% | 6.33% |
| 2018-03-31 | $1.5B | $1.0B | $1.3B | 2.77% | 30.36% | 6.40% |
| 2017-12-31 | $1.4B | $993M | $1.2B | 2.23% | 23.62% | 6.87% |
| 2017-09-30 | $1.3B | $969M | $1.2B | 2.63% | 27.69% | 6.98% |
| 2017-06-30 | $1.2B | $960M | $1.1B | 2.68% | 28.56% | 7.05% |
| 2017-03-31 | $1.2B | $932M | $1.1B | 2.46% | 26.57% | 6.78% |
| 2016-12-31 | $1.1B | $827M | $1.0B | 2.42% | 24.70% | 7.11% |
| 2016-09-30 | $1.0B | $798M | $944M | 2.39% | 24.05% | 6.96% |
Branch and geographic intelligence
FDIC branch-location snapshot dated 2026-08-22
| Market | State | Locations | Main offices | Earliest establishment |
|---|---|---|---|---|
| East Lansing | MI | 1 | 1 | Unavailable |
| Grand Rapids | MI | 1 | 0 | Unavailable |
| Traverse City | MI | 1 | 0 | Unavailable |
Branch locations reflect the latest registered FDIC location release, not real-time openings. Opening/closing attribution to organic growth vs. merger activity remains unavailable beyond the reviewed structure changes noted above. Annual deposit market share by state is available separately, below.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MI | $3.7B | 1.23% | 12 | Continuing · +0.09 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
FIRST NATIONAL BANCSHARES, INC.RSSD 1206313 · 1981-12-10 to current
Unresolved entityRSSD 1199714 · 1973-12-31 to 1976-09-29
Unresolved entityRSSD 4521080 · 2013-03-26 to current
Unresolved entityRSSD 4521071 · 2013-03-25 to current
Unresolved entityRSSD 3643510 · 2007-10-01 to 2010-12-31
Unresolved entityRSSD 2899338 · 2007-06-30 to current
Unresolved entityRSSD 2718729 · 2007-06-30 to 2007-09-30
Unresolved entityRSSD 2719221 · 2007-06-30 to current
None matched.
No reviewed revisions published.
Latest registered batch · retrieved Nov 13, 2026, 9:56 PM UTC · SHA-256 ed672d3d5db4d4a7219e7b578e217752940125a23284d56e2da0f5ecb1d0d536 · source ↗