Checked
First National Bank of America
East Lansing, MI · National bank · Part of First National Bancshares Inc
- Total assets
- $6.82B
- Q2 2026
- Deposits
- $3.88B
- Net income
- $94.25M
- first half of 2026
- Return on assets
- 2.79%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 17438
- Main office
- East Lansing, MI
- Holding company
- First National Bancshares Inc
- Charter
- National bank
- Primary federal regulator
- Office of the Comptroller of the Currency (OCC)
- Established
- 05/06/1955
- FDIC insured since
- 05/06/1955
- U.S. offices
- 3
- Employees (full-time equivalent)
- 412
- Specialty
- Mortgage Lending Specialization
- Website
- www.fnba.com
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $6.82B | $6.76B | $6.7B | $6.57B | $6.43B | $6.38B | $6.31B | $6.14B |
| Deposits | $3.88B | $3.84B | $3.84B | $3.82B | $3.74B | $3.73B | $3.69B | $3.63B |
| Net loans and leases | $6.21B | $6.17B | $6.14B | $6.01B | $5.9B | $5.79B | $5.79B | $5.62B |
| Securities | $82M | $80.77M | $78.16M | $73.31M | $72.56M | $80.23M | $81.54M | $87.03M |
| Equity capital | $550.7M | $541.3M | $536.6M | $528.9M | $527M | $525.4M | $507.3M | $519.6M |
| Net income (year to date) | $94.25M | $45.61M | $190.2M | $140.9M | $96.14M | $51.83M | $176.2M | $129.5M |
| Return on assets | 2.79% | 2.71% | 2.94% | 2.92% | 3.02% | 3.27% | 2.95% | 2.94% |
| Return on equity | 34.72% | 33.85% | 36.23% | 35.97% | 36.98% | 40.15% | 35.35% | 34.78% |
| Net interest margin | 4.86% | 4.82% | 4.86% | 4.86% | 4.85% | 4.86% | 4.85% | 4.86% |
| Efficiency ratio | 26.6% | 27.0% | 24.7% | 24.9% | 24.6% | 23.2% | 23.6% | 24.1% |
| Noncurrent loans | 1.92% | 1.90% | 1.84% | 1.76% | 1.78% | 1.64% | 1.48% | 1.40% |
| Net charge-off rate | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% |
| Leverage (core capital) ratio | 8.13% | 8.04% | 8.14% | 8.15% | 8.27% | 8.29% | 8.14% | 8.64% |
| Total risk-based capital ratio | 16.54% | 16.43% | 16.39% | 16.55% | 16.75% | 17.05% | 16.58% | 17.48% |
Assets grew 6.0% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$6.27B101.0%
- Commercial and industrial loans$1.89M0.0%
- Consumer loans$953K0.0%
Find bank branches in Michigan · Employees: 412
Frequently asked questions
- What is First National Bank of America's FDIC certificate number?
- First National Bank of America's FDIC certificate number is 17438.
- How big is First National Bank of America?
- First National Bank of America reported total assets of $6.82B and deposits of $3.88B as of Q2 2026.
- Is First National Bank of America FDIC insured?
- Yes. First National Bank of America has been insured by the FDIC since 05/06/1955. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026