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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Kalamazoo, MI · FDIC certificate #58259 · RSSD 3404467
FIRST NB OF MICHIGAN is an FDIC-insured institution based in Kalamazoo, MI (FDIC certificate #58259). In its Q3 2026 Call Report it reported total assets of $984M, total deposits of $813M and net loans of $808M. Its primary federal regulator is OCC. Its current parent is FIRST NATIONAL BANCORP, INC..
Reported facts
Deterministic ratios for FIRST NB OF MICHIGAN from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $813M |
|---|---|
| Net loans and leases | $808M |
Plain-language readout
FIRST NB OF MICHIGAN in Kalamazoo, MI funds its loans with $813M of deposits and holds $808M 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 MICHIGAN in Q3 2026; none is estimated.
Against banks of similar size for the same filing period: Efficiency ratio (official UBPR): 0.728 against a peer median of 0.656, a 68.6th percentile position among 795 peers. Net interest margin (official UBPR): 0.022 against a peer median of 0.030, a 10.5th percentile position among 795 peers. Interest Income (TE) as a percent of Average Assets: 0.046 against a peer median of 0.049, a 30.2th percentile position among 795 peers. Interest Expense as a percent of Average Assets: 0.025 against a peer median of 0.021, a 72.3th percentile position among 795 peers.
The loan-to-deposit ratio computed from net loans and total deposits was 99.45% in Q3 2026, against 90.06% in Q1 2024. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $808M | $813M | 99.45% |
| Q2 2026 | $814M | $807M | 100.89% |
| Q1 2026 | $814M | $760M | 107.02% |
| Q1 2024 | $720M | $800M | 90.06% |