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First Community Bank
Harbor Springs, MI · FDIC Certificate #13179 · Chartered 11/0
Total assets
$413.56M
Total deposits
$358.30M
Total equity
$40.27M
Net loans
$335.42M
Branches (offices)
10
Net income (YTD)
$3.91M
Rank: #2,024 of 4,213 U.S. banks by assets · #41 of 72 in Michigan. Assets changed 2.2% and deposits 2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.91% |
| Return on equity | 19.33% |
| Net interest margin (YTD) | 5.51% |
| Equity to assets | 9.74% |
| Tier 1 leverage ratio | 9.93% |
| Uninsured deposits (share of deposits) | 27.7% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 93.6% |
| Real estate loans (share of loans) | 88.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $297.93M | 88.8% | |
| Commercial & industrial | $37.81M | 11.3% | |
| Consumer / individual | $2.75M | 0.8% | |
| Construction & development | $15.68M | 4.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $448.19M | $412.52M | $2.70M | $35.04M |
| Jun 2023 | $418.50M | $363.10M | $4.17M | $35.18M |
| Jun 2024 | $402.63M | $343.58M | $3.11M | $36.86M |
| Jun 2025 | $404.74M | $348.46M | $3.30M | $39.65M |
| Jun 2026 | $413.56M | $358.30M | $3.91M | $40.27M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $358.30M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $358.30M.
Similar-sized banks
Branson Bank ($414.15M) · Farmers And Merchants Bank Of South Carolina ($413.56M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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