🏦Bank Scorer

FIRST NATIONAL BANK OF MICHIGAN

KALAMAZOO, MI · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 2006FDIC #58,259
Satisfactory Same

Current rating · Exam: January 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.92%

Is this bank safe?

FIRST NATIONAL BANK OF MICHIGAN holds a Satisfactory CRA rating (2024), meets basic financial requirements (ROA +0.92%).

Institution Profile

FDIC BankFind

Address

348 W Michigan Ave, KALAMAZOO, MI

County

Kalamazoo County

Established

April 12, 2006

Total Assets

$982M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 29, 2024

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jan 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$982M

Total Deposits

$760M

Net Loans

$814M

Net Income

$2M

ROA

0.92%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.23%

Risk-Based Capital

12.19%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.92%Peer avg: 0.44%▲ Above avg
Risk-Based Capital12.19%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate8.33%Peer avg: 6.90%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$777M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20187272.22%8.33%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Jan 2024SatisfactoryIntermediate Small Bank
Nov 2020SatisfactoryIntermediate Small Bank
Nov 2017SatisfactoryIntermediate Small Bank

2 previous ratings locked — back to 2009

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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