Total Assets
$6.7B
Total balance-sheet footings
FDIC Cert #17438 · East Lansing, Michigan · Est. 1955
First National Bank of America - FDIC Bank Health Profile
A community-scale look at First National Bank of America's own numbers, pulled straight from its quarterly FDIC Call Report.
- $6.7B
- Total assets
- A
- Health grade · Excellent
- 2.94%
- Return on assets
- 15.1%
- Tier 1 capital
Data updated July 2026
The verdict
First National Bank of America earns a PlainBankData health grade of A (90/100), with well-capitalized at 15.13% Tier 1, profitable at 2.94% ROA, efficient (25% cost ratio).
- #231
- largest of 4,313 FDIC banks by assets
- 95th
- percentile by asset size, nationally
- 15.13%
- Tier 1 ratio - above the 10% well-capitalized line
- 98th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First National Bank of America's 90/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First National Bank of America's composite health score
Tier 1 Capital Ratio (15.13%) 40/40
Return on Assets (ROA) (2.94%) 25/25
Texas Ratio (18.73%) 10/20
Efficiency Ratio (24.67%) 15/15
90 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$3.8B
Customer-funded liabilities
Net Loans
$6.1B
Outstanding loan book
Net Income
$190M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First National Bank of America ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank of America's score of 90/100 falls in the highlighted band.
First National Bank of America's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First National Bank of America's $6.7B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.13% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.13%
Texas Ratio
18.73%
Equity Capital
$537M
Profitability metrics
Return on Assets (ROA)
98th percentile nationally
2.94%
Return on Equity (ROE)
36.23%
Efficiency Ratio
24.67%
What the numbers say about First National Bank of America
First National Bank of America is an FDIC-insured institution (Certificate #17438) headquartered in East Lansing, Michigan, established in 1955. It holds $6.7B in total assets - 231st of 4,313 FDIC-insured banks, $3.8B in customer deposits, and $6.1B in net loans. On safety, its Tier 1 capital ratio of 15.13% is above the 10% well-capitalized threshold, and its Texas Ratio of 18.73% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (90/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
First National Bank of America's asset base places it among the largest FDIC-insured institutions in the country, 231st of 4,313 nationally, and 2nd of 73 banks headquartered in Michigan. Only Northpointe Bank ($7.0B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$534M
Interest Income
$19M
Non-Interest Income
$80M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank of America reports a Texas Ratio of 18.73% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
18.73% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Michigan by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank of America (FDIC Cert #17438) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Michigan
All Michigan banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Northpointe BankGrand Rapids | $7.0B | B | 1.39% |
| Mercantile BankGrand Rapids | $6.2B | A | 1.61% |
| Independent BankGrand Rapids | $5.5B | B | 1.33% |
| ChoiceOne BankSparta | $4.4B | B | 0.79% |
| Macatawa Bank, National AssociationHolland | $3.7B | A | 1.39% |
| Bank of Ann ArborAnn Arbor | $3.3B | A | 1.72% |
| Isabella BankMount Pleasant | $2.2B | B | 1.02% |
| Southern Michigan Bank & TrustColdwater | $1.7B | B | 0.91% |
Frequently asked questions
What is First National Bank of America's health grade?▼
First National Bank of America receives a health grade of A (90/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First National Bank of America?▼
First National Bank of America holds $6.7B in total assets and $3.8B in deposits, ranking 231st of 4,313 FDIC-insured banks by asset size. It is headquartered in East Lansing, Michigan.
Is my money safe at First National Bank of America?▼
Yes, deposits at First National Bank of America (Certificate #17438) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank of America's Tier 1 Capital Ratio?▼
First National Bank of America has a Tier 1 Capital Ratio of 15.13%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First National Bank of America?▼
First National Bank of America has a Texas Ratio of 18.73%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First National Bank of America?▼
First National Bank of America has an Efficiency Ratio of 24.67%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank of America's profile as a depositor or analyst.
- First National Bank of America's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank of America against other Michigan banks before moving funds. Michigan banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.