First National Bank of America
East Lansing, MI · Cert 17438 · Peer group: banks $1B-$10B in assets (n=313-319) · First National Bancshares Inc.
National charter · OCC · 3 branches
Q2 2026
$6.8BAssets
$6.3BLoans
$3.9BDeposits
$550.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 98% of banks $1B-$10B in assets (rank 7 of 319).
- Widest gap: equity / assets trails 92% of banks $1B-$10B in assets (rank 295 of 319).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.76%
Rank 9 of 319
Net Interest Margin
4.69%
Rank 22 of 319
Efficiency Ratio
26.64%
Rank 7 of 319
Equity / Assets
8.08%
Rank 295 of 319
Non-interest income vs. expense
Unfavorable gap of $75.3M · efficiency ratio beats 98% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.76% | 0.91% | 1.21% | 1.53% | Beats 97% | 9 / 319 | |
| Return on Equity | 34.23% | 8.49% | 11.44% | 14.57% | Beats 98% | 7 / 319 | |
| Net Interest Margin | 4.69% | 3.06% | 3.43% | 3.81% | Beats 93% | 22 / 319 | |
| Efficiency Ratio | 26.64% | 51.90% | 59.57% | 67.64% | Beats 98% | 7 / 319 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.90% | 0.25% | 0.54% | 1.18% | Beats 11% | 281 / 313 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.12% | Beats 78% | 71 / 313 | |
| Capital |
| Tier 1 Capital Ratio | 15.28% | 11.74% | 12.99% | 15.28% | Beats 75% | 81 / 319 | |
| Total Risk-Based Capital Ratio | 16.54% | 12.61% | 14.01% | 16.23% | Beats 77% | 73 / 319 | |
| Equity / Assets | 8.08% | 9.03% | 10.33% | 12.01% | Beats 8% | 295 / 319 | |
| Liquidity & Funding |
| Loans / Deposits | 161.84% | 76.76% | 88.16% | 95.43% | 99th pctl | 3 / 314 | |
| Loans / Assets | 92.06% | 65.79% | 74.05% | 79.84% | 98th pctl | 6 / 319 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |