First National Bank of America
East Lansing, MI · Cert 17438 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First National Bancshares Inc.
National charter · OCC · 3 branches
Q2 2026
$6.8BAssets
$6.3BLoans
$3.9BDeposits
$550.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of banks $1B-$10B in assets operating in a single state (rank 2 of 257).
- Widest gap: nonperforming loans / loans trails 93% of banks $1B-$10B in assets operating in a single state (rank 240 of 258).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.76%
Rank 7 of 258
Net Interest Margin
4.69%
Rank 15 of 258
Efficiency Ratio
26.64%
Rank 2 of 257
Equity / Assets
8.08%
Rank 233 of 258
Non-interest income vs. expense
Unfavorable gap of $75.3M · efficiency ratio beats 100% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.76% | 0.93% | 1.23% | 1.54% | Beats 97% | 7 / 258 | | |
| Return on Equity | 34.23% | 9.26% | 11.84% | 14.74% | Beats 98% | 4 / 258 | | |
| Net Interest Margin | 4.69% | 3.16% | 3.49% | 3.88% | Beats 94% | 15 / 258 | | |
| Efficiency Ratio | 26.64% | 51.71% | 60.30% | 69.65% | Beats 100% | 2 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.90% | 0.19% | 0.46% | 0.90% | Beats 7% | 240 / 258 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 74% | 70 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 15.28% | 11.41% | 12.98% | 15.12% | Beats 77% | 60 / 258 | | |
| Total Risk-Based Capital Ratio | 16.54% | 12.10% | 13.91% | 16.08% | Beats 78% | 56 / 258 | | |
| Equity / Assets | 8.08% | 9.09% | 10.24% | 11.72% | Beats 10% | 233 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 161.84% | 73.24% | 86.34% | 95.95% | 100th pctl | 1 / 258 | | |
| Loans / Assets | 92.06% | 63.01% | 72.27% | 78.40% | 100th pctl | 1 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |