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Bank, East Lansing, MI
First National Bank of America
A bank based in East Lansing, MI. Its commercial book is led by construction and multifamily. Public files show recent multifamily, 1-4 unit investor and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $421M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 19
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 2
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $6.82B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 800-266-7661 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.fnba.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- fnba.comFrom the lender's website, retrieved November 11, 2026.
- Address
- 241 E Saginaw St, East Lansing, MI 48823FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Construction and land development balance rose 38.3% to $242.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Multifamily balance rose 8.3% to $93.4M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| 2024 | Reported making 23 small business loans totaling $7.7M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
| 2023-10 to 2026-09 | Named as the lender on 1 mortgage recorded in New York City.exact normalized lender name and state, or a reviewed alias | NYC ACRIS recorded mortgages |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Ingham County, MI | Purchase, 50 to 99 units | $3M | 6.9% | 5 yr | 80% | HMDA 2025 |
| 2025 | Calhoun County, MI | Purchase, 50 to 99 units | $2.6M | 7% | 5 yr | 67% | HMDA 2025 |
| 2025 | Northumberland County, PA | Purchase, 25 to 49 units | $2M | 7.63% | 20 yr | 50% | HMDA 2025 |
| 2025 | Michigan | Purchase, 25 to 49 units | $1.5M | 6.9% | 5 yr | 75% | HMDA 2025 |
| 2025 | Gratiot County, MI | Purchase, 5 to 24 units | $820K | 6.9% | 5 yr | 72% | HMDA 2025 |
| 2025 | Grand Rapids-Wyoming-Kentwood, MI | Purchase, 5 to 24 units | $780K | 6.9% | 5 yr | 58% | HMDA 2025 |
| 2025 | Ingham County, MI | Purchase, 5 to 24 units | $760K | 6.7% | 5 yr | 69% | HMDA 2025 |
| 2025 | Barry County, MI | Purchase, 5 to 24 units | $740K | 7% | 5 yr | 61% | HMDA 2025 |
| 2025 | Summit County, OH | Purchase, 5 to 24 units | $680K | 7.5% | 20 yr | 60% | HMDA 2025 |
| 2025 | Michigan | Cash-out refinance, 25 to 49 units | $560K | 7.5% | 15 yr | 39% | HMDA 2025 |
| 2025 | Capitol Planning Region, CT | Purchase, 5 to 24 units | $400K | 7.5% | 20 yr | 44% | HMDA 2025 |
| 2025 | Sedgwick County, KS | Cash-out refinance, 5 to 24 units | $300K | 7.5% | 20 yr | 48% | HMDA 2025 |
| 2025 | Lebanon County, PA | Cash-out refinance, 5 to 24 units | $300K | 7.63% | 20 yr | 56% | HMDA 2025 |
| 2025 | Michigan | Cash-out refinance, 25 to 49 units | $260K | 7.5% | 15 yr | 39% | HMDA 2025 |
| 2025 | Ingham County, MI | Purchase, 5 to 24 units | $260K | 6.6% | 5 yr | 67% | HMDA 2025 |
| 2025 | Wexford County, MI | Improvement, 25 to 49 units | $240K | 7% | 2.2 yr | 68% | HMDA 2025 |
| 2025 | Allegan County, MI | Purchase, 5 to 24 units | $240K | 7.25% | 5 yr | 75% | HMDA 2025 |
| 2025 | Lansing-East Lansing, MI | Purchase, 5 to 24 units | $220K | 7.5% | 5 yr | 69% | HMDA 2025 |
| 2025 | Shiawassee County, MI | Purchase, 5 to 24 units | $160K | 7.25% | 5 yr | 33% | HMDA 2025 |
| 2024 | Grand Traverse County, MI | Purchase, 50 to 99 units | $6M | 7% | 5 yr | 75% | HMDA 2024 |
| 2024 | Isabella County, MI | Purchase, 100 to 149 units | $5.3M | 7.25% | 5 yr | 75% | HMDA 2024 |
| 2024 | Eaton County, MI | Purchase, 50 to 99 units | $2.5M | 7.25% | 5 yr | 72% | HMDA 2024 |
| 2024 | Grand Traverse County, MI | Purchase, 25 to 49 units | $1.7M | 7% | 5 yr | 75% | HMDA 2024 |
| Nov 2024 | Michigan | SBA 504, Limited-Service Restaurants | $1.4M | 25 yr | SBA FOIA | ||
| Jun 2024 | Michigan | SBA 504, Full-Service Restaurants | $1.6M | 25 yr | SBA FOIA | ||
| 19 multifamily loans made in 2025 | $15.9M | HMDA 2025 | |||||
A blank means the source did not report it.
Recorded mortgages, New York City
NYC ACRIS, September 30, 2026
Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.
- 1 mortgage recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 names First National Bank of America as the lender, totaling $200K.
| Property class | Mortgages | Dollars |
|---|---|---|
| Other | 1 | $200K |
| Borough | Mortgages |
|---|---|
| Manhattan | 1 |
How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $93.4M | 1.5% | +8.3% |
| Construction and land development | $242M | 3.9% | +38.3% |
| Owner-occupied CRE | $34.5M | 0.6% | -15.5% |
| Non-owner-occupied CRE | $34.1M | 0.5% | -15.7% |
| Farmland | $15.3M | 0.2% | +11.1% |
| Commercial and industrial | $1.89M | 0.0% | -6.9% |
| Commercial total | $421M |
Reference only: $5.85B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $188M |
| Q4 2023 | $207M |
| Q1 2024 | $227M |
| Q2 2024 | $247M |
| Q3 2024 | $273M |
| Q4 2024 | $305M |
| Q1 2025 | $328M |
| Q2 2025 | $359M |
| Q3 2025 | $370M |
| Q4 2025 | $393M |
| Q1 2026 | $402M |
| Q2 2026 | $421M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 19 | $15.9M | $565K | $3M | HMDA, |
| Multifamily, 5 or more units | 2024 | 19 | $25.0M | $505K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 185 | $35.0M | $155K | HMDA, | |
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 2 | $3.00M | $1.50M | $1.6M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 504 first liens: its name and state.
Programs on record: Federal Home Loan Bank member, Indianapolis district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- First National Bank of America reported making 23 small business loans totaling $7,714,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 5 of $100,000 or less, 7 over $100,000 up to $250,000, 11 over $250,000 up to $1 million.
- 22 of them, totaling $7,414,000, went to businesses with revenue of $1 million or less.
- First National Bank of America reported making 1 small farm loans totaling $270,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 0 of $100,000 or less, 0 over $100,000 up to $250,000, 1 over $250,000 up to $500,000.
- 1 of them, totaling $270,000, went to farms with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| Ingham County, MI | 10 | $3.85M |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: OCC charter via FFIEC POR + transmittal RSSD.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- First National Bank of America reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family residential construction and $6,249,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $1,214,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 2 | $35.0K |
| Over $100,000 up to $250,000 | 4 | $548K |
| Over $250,000 up to $1 million | 3 | $1.30M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 113 | $3.89M |
| Over $100,000 up to $250,000 | 158 | $16.3M |
| Over $250,000 up to $1 million | 112 | $27.1M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 33 | $1.37M |
| Over $100,000 up to $250,000 | 44 | $4.16M |
| Over $250,000 up to $500,000 | 25 | $5.36M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Michigan HQ | 3 | 14 | 7 | 0 | 2 |
| Georgia | 0 | 0 | 18 | 0 | 0 |
| Florida | 0 | 0 | 15 | 0 | 0 |
| North Carolina | 0 | 0 | 14 | 0 | 0 |
| Illinois | 0 | 0 | 12 | 0 | 0 |
| Texas | 0 | 0 | 9 | 0 | 0 |
| Ohio | 0 | 1 | 8 | 0 | 0 |
| Maryland | 0 | 0 | 8 | 0 | 0 |
| South Carolina | 0 | 0 | 8 | 0 | 0 |
| California | 0 | 0 | 6 | 0 | 0 |
| Connecticut | 0 | 1 | 6 | 0 | 0 |
| New York | 0 | 0 | 7 | 0 | 0 |
Also in PA, NV, TN, VA, AL, CO, KY, MO.
| County | Recorded loans | Dollars |
|---|---|---|
| Ingham County, MI | 6 | $7.51M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Lansing-East Lansing, MI | 10 | $11.6M |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- First National Bank of America has 3 offices in 3 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 3 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Grand Traverse County, MI | 1 | 0 |
| Ingham County, MI | 1 | 0 |
| Kent County, MI | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. 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 | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $93.0M | $31.3M to $128M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 59.6% | 16.9% to 342.2% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 39.1% | 16.9% to 144.0% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 161.8% | 84.4% to 129.3% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $6.25M | $3.62M to $646M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 92.1% | 67.7% to 90.2% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Of 38 multifamily loans with a known channel in 2024 to 2025, 3 (7.9%) came through a third party. HMDA,
- Of 185 1-4 unit investor loans with a known channel in 2025, 135 (73.0%) came through a third party. HMDA,
Third party includes correspondents as well as brokers. No figure here means no evidence, not a refusal.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Northpointe Bank | MI | $7.53B | $137M |
| Mercantile Bank | MI | $6.24B | $3.61B |
| Independent Bank | MI | $5.66B | $2.36B |
| ChoiceOne Bank | MI | $4.45B | $2.12B |
| Bank of Ann Arbor | MI | $3.50B | $2.04B |
| Macatawa Bank, National Association | MI | $3.69B | $2.07B |
| Isabella Bank | MI | $2.17B | $852M |
| Stockman Bank of Montana | MT | $7.75B | $4.04B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers on any given deal. The public record shows only that some loans came through a third party.
Check this page
Against the regulator's own record
- Name and charter. First National Bank of America, FDIC certificate 17438. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $6.82B in total assets and $421M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 225 recorded loans from HMDA and SBA files, through September 30, 2026: 19 HMDA multifamily 2025, 19 HMDA multifamily 2024, 185 HMDA 1-4 unit investor 2025, 2 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to First National Bank of America]
- Phone and website. Phone 800-266-7661, from the lender's website on November 9, 2026. Website fnba.com, from the FDIC record. [How to reach them]
- Small business loans reported under CRA. 23 small business loans reported in its CRA filing for 2024. [Source]
- Recorded mortgages, New York City. 1 recorded mortgage in New York City under this name. [Source]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- Office of the Comptroller of the Currency
- FDIC certificate
- 17438
- RSSD
- 413141
- LEI
- 254900WTZC5SSKIN2M11
- The Lender Report ID
- lr_000288
- FDIC classifies this bank as
- Mortgage Lending Specialization
- Ownership
- Stock
- Head office metro area
- Lansing-East Lansing, MI
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $6.8B in total assets as of June 30, 2026 (FDIC call report).
- Held $421.4M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $242.2M of construction and land loans as of June 30, 2026, up 38.3% from a year earlier (FDIC call report).
- Held $93.4M of multifamily loans as of June 30, 2026, up 8.3% from a year earlier (FDIC call report).
- Held $34.5M of owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Originated 19 multifamily loans totaling $15.9M in 2025 (HMDA).
10 more sentences
- Originated 19 multifamily loans totaling $25M in 2024 (HMDA).
- Originated 185 1-4 unit investor or business-purpose loans totaling $35M in 2025 (HMDA).
- Provided the first lien on 2 SBA 504 projects with $3M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Listed 3 offices in 1 state (FDIC).
- Reported making 23 small business loans totaling $7.7M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Reported making 1 small farm loan totaling $270K in 2024, in its Community Reinvestment Act filing (FFIEC).
- Held 9 commercial and industrial loans that were $1 million or less when made, with a balance of $1.9M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 383 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $47.3M 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: $0 for 1-4 family and $6.2M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
- Named as the lender on 1 mortgage recorded in New York City from 2023-10 to 2026-09, totaling $200K (NYC Department of Finance, ACRIS).
Cite this
Source: The Lender Report, First National Bank of America, https://lender.report/lender/first-national-bank-of-america-mi/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- FDIC Summary of Deposits, June 30, 2026
- NYC ACRIS recorded mortgages, September 30, 2026
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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. Report a problem