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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..
Reported facts
Deterministic ratios for FIRST NB OF AMERICA from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $3.9B |
|---|---|
| Net loans and leases | $6.4B |
Plain-language readout
FIRST NB OF AMERICA in East Lansing, MI funds its loans with $3.9B of deposits and holds $6.4B of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for FIRST NB OF AMERICA in Q3 2026; none is estimated.
Against banks of similar size for the same filing period: Brokered deposits to domestic deposits: 0.434 against a peer median of 0.016, a 98.4th percentile position among 890 peers. Common equity tier 1 ratio: 0.153 against a peer median of 0.135, a 71.9th percentile position among 673 peers. Selected CRE loans to gross loans and leases: 0.064 against a peer median of 0.468, a 3.1th percentile position among 862 peers. Selected CRE loans to total capital: 0.678 against a peer median of 2.970, a 5.3th percentile position among 659 peers.
The loan-to-deposit ratio computed from net loans and total deposits was 163.41% in Q3 2026, against 158.12% in Q4 2023. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $6.4B | $3.9B | 163.41% |
| Q2 2026 | $6.2B | $3.9B | 160.07% |
| Q1 2026 | $6.2B | $3.8B | 161.00% |
| Q4 2025 | $6.1B | $3.8B | 160.09% |
| Q3 2025 | $6.0B | $3.8B | 157.37% |
| Q2 2025 | $5.9B | $3.7B | 157.85% |
| Q1 2025 | $5.8B | $3.7B | 155.02% |
| Q4 2024 | $5.8B | $3.7B | 156.97% |
| Q3 2024 | $5.6B | $3.6B | 155.01% |
| Q2 2024 | $5.4B | $3.5B | 153.53% |
| Q1 2024 | $5.3B | $3.4B | 156.16% |
| Q4 2023 | $5.1B | $3.3B | 158.12% |