First National Bank of America
East Lansing, Michigan, Ingham County
$6.8B in total assets, the 232nd largest of 4,309 US banks and 2nd of 74 headquartered in Michigan.
- FDIC certificate
- 17438
- Established
- 1955
- Owned by
- First National Bancshares Inc
- Primary regulator
- OCC
- Website
- www.fnba.com
At a glance
Compared with 17 banks headquartered in Michigan with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $6.8B | 94% | $1.5B | |
| Loans | $6.3B | 94% | $1.2B | |
| Deposits | $3.9B | 82% | $1.3B | |
| Return on assets | 2.83% | 98% | 1.26% | |
| Net interest margin | 4.86% | 98% | 3.79% | |
| Efficiency ratio | 26.6% | 2% | 62.4% | |
| Equity to assets | 8.08% | 6% | 9.41% | |
| Loans to deposits | 162% | 98% | 92% |
Growth
Total assets grew 17.4% a year over the last 5 years and 22.1% a year over 10 years, without acquisitions.
Where they operate
3 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Ingham County, MI | $3.4B | 33.7% | 1 of 17 |
| Kent County, MI | $306M | 1.2% | 13 of 24 |
| Grand Traverse County, MI | $220M | 5.7% | 5 of 13 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No change since 2016. The bank has operated 3 branches throughout, with none opened, acquired, closed or sold.
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 93% | 32% | |
| Construction and land | 4% | 6% | |
| Multifamily | 1% | 4% | |
| Commercial real estate | 1% | 33% | |
| Farmland | 0% | 1% | |
| Business (C&I) | 0% | 14% | |
| Consumer | 0% | 3% | |
| Other | 0% | 6% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 87% | 24% | |
| Other interest-bearing | 10% | 52% | |
| Noninterest-bearing | 3% | 24% |
Brokered deposits are 43.4% of deposits (peers 8.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.90% | 0.74% |
| Net charge-offs, annualized | 0.01% | 0.03% |
| Reserves to loans | 1.09% | 1.12% |
| Leverage ratio | 8.13% | 9.54% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Michigan
Largest competitors in Ingham County, MI
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/first-america