This institution is no longer active

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

FMB-LUMBERMAN'S BANK

MUSKEGON, MI · Supervised by FDIC

Est. 1859FDIC #5,037RSSD: FDIC-5037

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 1.20%

Is this bank safe?

FMB-LUMBERMAN'S BANK earned an Outstanding CRA rating (1997), and is financially strong (ROA +1.20%).

Institution Profile

FDIC BankFind

Address

First And Webster, MUSKEGON, MI

County

Muskegon County

Established

May 19, 1859

Total Assets

$438M(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

$438M

Total Deposits

$377M

Net Loans

$343M

Net Income

$3M

ROA

1.20%

Above avg for Small banks. Peer avg: 0.44%

ROE

16.80%

Risk-Based Capital

10.21%

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).

ROA1.20%Peer avg: 0.44%▲ Above avg

Risk-Based Capital10.21%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
Apr 1997	Outstanding	Small Bank
May 1995	Outstanding	Not Reported
May 1993	Satisfactory	Not Reported

1 previous rating locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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