East Lansing, MI · Cert 17438 · First National Bancshares Inc.
National charter · OCC · 3 branches
Q2 2026
Market Position · Lansing-East Lansing, MI · 2026 SOD (annual) · 27.2% share · #1 of 18 inst. · $3.4B of $12.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.94% | 2.95% | 3.27% | 3.02% | 2.92% | 2.94% | 2.71% | 2.79% | -23 bps | |
| Return on Equity | 34.78% | 35.35% | 40.15% | 36.98% | 35.97% | 36.23% | 33.85% | 34.72% | -226 bps | |
| Net Interest Margin | 4.60% | 4.49% | 4.71% | 4.70% | 4.66% | 4.63% | 4.67% | 4.69% | -1 bps | |
| Efficiency Ratio | 24.12% | 23.61% | 23.20% | 24.61% | 24.87% | 24.67% | 26.99% | 26.64% | +203 bps | |
| Non-Interest Burden | 0.86% | 0.80% | 0.57% | 0.84% | 0.93% | 0.92% | 1.18% | 1.11% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.35% | 12.42% | 10.00% | 7.80% | 6.97% | 6.18% | 5.99% | 6.00% | -180 bps | |
| Loan Growth (YoY) | 16.00% | 12.61% | 9.61% | 8.44% | 6.93% | 6.13% | 6.65% | 5.18% | -326 bps | |
| Deposit Growth (YoY) | 17.69% | 13.43% | 10.42% | 5.48% | 5.32% | 4.08% | 2.69% | 3.73% | -175 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.38% | 1.46% | 1.62% | 1.76% | 1.74% | 1.82% | 1.88% | 1.90% | +14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 1.09% | 1.10% | 1.10% | 1.10% | 1.10% | 1.09% | 1.10% | 1.09% | -1 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.7x | 0.6x | 0.6x | 0.6x | 0.6x | 0.6x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.64% | 8.14% | 8.29% | 8.27% | 8.15% | 8.14% | 8.04% | 8.13% | -13 bps | |
| Total Risk-Based Capital | 17.48% | 16.58% | 17.05% | 16.75% | 16.55% | 16.39% | 16.43% | 16.54% | -21 bps | |
| Equity / Assets | 8.46% | 8.04% | 8.23% | 8.19% | 8.05% | 8.01% | 8.00% | 8.08% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 156.72% | 158.72% | 156.75% | 159.60% | 159.13% | 161.86% | 162.79% | 161.84% | +224 bps | |
| Liquid Assets / Assets | 3.92% | 3.85% | 4.79% | 3.97% | 4.25% | 3.98% | 4.34% | 4.50% | +53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 66.96% | 70.17% | 71.17% | n/a | n/a | |