This institution is no longer active

Operations ceased on September 30, 1997. CRA examination history below reflects the period it was active.

FMB-FIRST MICHIGAN BANK

ZEELAND, MI · Supervised by FDIC

Est. 1878FDIC #10,558RSSD: FDIC-10558

Part ofFIRST MICHIGAN BANK CORP→ View all charters

Outstanding Same

Current rating · Exam: April 1997

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.54%

Is this bank safe?

FMB-FIRST MICHIGAN BANK earned an Outstanding CRA rating (1997), and is financially strong (ROA +1.54%).

Institution Profile

FDIC BankFind

Address

101 East Main Street, ZEELAND, MI

County

Ottawa County

Established

January 1, 1878

Total Assets

$1.4B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

April 1, 1997

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 29 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 1997Call Report / FDIC

Total Assets

$1.4B

Total Deposits

$1.1B

Net Loans

$1.1B

Net Income

$10M

ROA

1.54%

Above avg for Community banks. Peer avg: 0.90%

ROE

19.38%

Risk-Based Capital

10.20%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA1.54%Peer avg: 0.90%▲ Above avg

Risk-Based Capital10.20%Peer avg: 12.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Apr 1997	Outstanding	Small Bank
Nov 1993	Outstanding	Not Reported
Sep 1991	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/fmb-first-michigan-bank"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: