This institution is no longer active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

GRAND RAPIDS, MI · Supervised by FDIC

Est. 1975FDIC #22,128RSSD: FDIC-22128

Part ofFIRST MICHIGAN BANK CORP→ View all charters

Outstanding Same

Current rating · Exam: February 1996

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.91%

Is this bank safe?

FMB-FIRST MICHIGAN BANK earned an Outstanding CRA rating (1996), and meets basic financial requirements (ROA +0.91%).

Institution Profile

FDIC BankFind

Address

173 Ottawa Avenue, N.W., GRAND RAPIDS, MI

County

Kent County

Established

October 1, 1975

Total Assets

$567M(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

February 1, 1996

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 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

$567M

Total Deposits

$461M

Net Loans

$432M

Net Income

$3M

ROA

0.91%

Above avg for Small banks. Peer avg: 0.44%

ROE

11.54%

Risk-Based Capital

10.04%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA0.91%Peer avg: 0.44%▲ Above avg

Risk-Based Capital10.04%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Feb 1996	Outstanding	Not Reported
Aug 1993	Outstanding	Not Reported
Jul 1991	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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