--- title: First National Bank of Michigan url: https://lender.report/lender/first-national-bank-of-michigan-mi/ as_of: 2026-06-30 data_version: 2026-11-12.1 license: https://lender.report/license/ is_paid: false label: Unverified listing listing_state: unverified status: operating ids: {fdic: 58259, rssd: 3404467, ncua: null, lei: 254900E8AB6YT3KRD187} --- # First National Bank of Michigan > Unverified listing. Built from public records. The lender has not reviewed the page. Every lender starts this way, and it says nothing about the lender itself. Claiming is free. **Cite this:** Source: The Lender Report, First National Bank of Michigan, https://lender.report/lender/first-national-bank-of-michigan-mi/, data as of June 30, 2026. Bank, Kalamazoo, MI. Regulator: Office of the Comptroller of the Currency. Identifiers: FDIC certificate 58259; RSSD 3404467; LEI 254900E8AB6YT3KRD187. ## Facts, each with its source and date - Reported $988.9M in total assets as of June 30, 2026 (FDIC call report). - Held $762.6M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report). - Held $344.7M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 15.8% from a year earlier (FDIC call report). - Held $148.1M of owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report). - Held $115.7M of commercial and industrial loans as of June 30, 2026 (FDIC call report). - Originated 7 multifamily loans totaling $34.4M in 2025 (HMDA). - Originated 10 multifamily loans totaling $14.3M in 2024 (HMDA). - Originated 1 1-4 unit investor or business-purpose loan totaling $520K in 2025 (HMDA). - Recorded 10 SBA 7(a) approvals totaling $13.1M from October 1, 2023 to September 30, 2026 (SBA). - Provided the first lien on 12 SBA 504 projects with $30.8M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA). - Estimated legal lending limit of about $15.8M (estimate, 15% of tier 1 capital plus allowance, June 30, 2026 FDIC call report). - Listed 7 offices in 1 state (FDIC). - Held 394 commercial and industrial loans that were $1 million or less when made, with a balance of $43.1M as of June 30, 2026 (FDIC call report). These are loans held, not loans made. - Held 215 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $82M as of June 30, 2026 (FDIC call report). These are loans held, not loans made. - Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $543K for 1-4 family and $27.6M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made. ## What it holds (June 30, 2026) Balances held as filed. Not loans made. | Book | Holds | Of its loans | Year over year | | --- | --- | --- | --- | | Multifamily | $108M | 13.04% | -8.1% | | Construction and land development | $46.3M | 5.61% | +7.7% | | Owner-occupied CRE | $148M | 17.93% | -3.2% | | Non-owner-occupied CRE | $345M | 41.72% | +15.8% | | Farmland | $0 | 0% | not reported | | Commercial and industrial | $116M | 14.01% | -0.3% | ## Loans on record | Kind of loan | Period | Loans made | Dollars | Source | | --- | --- | --- | --- | --- | | Multifamily, 5 or more units | 2025 | 7 | $34.4M | CFPB HMDA | | Multifamily, 5 or more units | 2024 | 10 | $14.3M | CFPB HMDA | | 1-4 unit investor or business purpose | 2025 | 1 | $520K | CFPB HMDA | | SBA 7(a), net of cancelled | 36 months to September 30, 2026 | 10 | $13.1M | SBA FOIA | | SBA 504 first lien, net of cancelled | 36 months to September 30, 2026 | 12 | $30.8M | SBA FOIA | ## Recent recorded loans, coarsened Place is the county or the state, amounts are rounded to 2 significant figures, and no borrower is named. | When | Place | Loan | Amount | Rate | Term (months) | Source | | --- | --- | --- | --- | --- | --- | --- | | 2025 | Muskegon County, MI | purchase, 50-99 units | $20.0M | not reported | not reported | CFPB HMDA | | 2025 | Marshall County, IN | cash_out_refinance, 5-24 units | $4.40M | not reported | not reported | CFPB HMDA | | 2025 | St. Joseph County, MI | refinance, 25-49 units | $4.40M | not reported | not reported | CFPB HMDA | | 2025 | Michigan | refinance, 5-24 units | $4.20M | not reported | not reported | CFPB HMDA | | 2025 | Muskegon County, MI | cash_out_refinance, 5-24 units | $900K | not reported | not reported | CFPB HMDA | | 2025 | Shiawassee County, MI | purchase, 5-24 units | $260K | not reported | not reported | CFPB HMDA | | 2025 | Houghton County, MI | cash_out_refinance, 25-49 units | $200K | not reported | not reported | CFPB HMDA | | Nov 2025 | Michigan | SBA 504, Other Services (except Public Administration) | $660K | not reported | 300 | SBA FOIA | | Jul 2025 | Michigan | SBA 504, Manufacturing | $300K | not reported | 240 | SBA FOIA | | Mar 2025 | Michigan | SBA 7(a), Other Grocery and Related Products Merchant Wholesalers | $50.0K | 8.75% | 96 | SBA FOIA | ## Where it lends 7 offices in 1 states (October 28, 2026). ## Not a rating Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits. | Measure | Value | How it is worked out | | --- | --- | --- | | Estimated largest single loan | $15.8M | Estimate from reported capital, not a limit the lender has stated. | | Loans to assets | 83.56% | Total loans divided by total assets | | Loans to deposits | 102.37% | Total loans divided by total deposits | ## What we do not know - Whether this lender is taking new loans today. - Its underwriting limits and fees, unless it has told us. - Whether it takes brokers, beyond what the public record shows. - A balance is what a lender holds as filed. It is not a loan made. ## How to reach them - Website: https://www.fnbmichigan.bank (from the regulator record or the lender's own site) - Phone: (269) 349-0100 - Regulator record: https://banks.data.fdic.gov/bankfind-suite/bankfind/details/58259 ## For the record Data as of June 30, 2026. Data release 2026-11-12.1. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan. The Lender Report is not affiliated with, endorsed by or acting for the FDIC, NCUA, FFIEC, CFPB, SBA, HUD or any government agency. Certificate and charter numbers identify institutions only. The Lender Report is operated by JPro Labs LLC. The Lender Report is not a bank or a lender. It does not make loans or credit decisions. Listings are built from public records. Page: https://lender.report/lender/first-national-bank-of-michigan-mi/ License: https://lender.report/license/