Unverified listing What this means
The Lender Report built this page from public records. First National Bank of Michigan has not reviewed it. Every lender's page starts this way, and it says nothing about First National Bank of Michigan itself. Each figure shows its source and date. Work at First National Bank of Michigan? You can claim this page for free.
Bank, Kalamazoo, MI
First National Bank of Michigan
A bank based in Kalamazoo, MI. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $763M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 7
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 22
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $989M
- 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
- 269-349-0100 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.fnbmichigan.bankFrom the FDIC record, November 9, 2026.
- Commercial lending page
- fnbmichigan.bankFrom the lender's website, retrieved November 11, 2026.
- Address
- 348 W Michigan Ave, Kalamazoo, MI 49007FDIC 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 | Non-owner-occupied CRE balance rose 15.8% to $344.7M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
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 | Muskegon County, MI | Purchase, 50 to 99 units | $20M | HMDA 2025 | |||
| 2025 | Marshall County, IN | Cash-out refinance, 5 to 24 units | $4.4M | HMDA 2025 | |||
| 2025 | St. Joseph County, MI | Refinance, 25 to 49 units | $4.4M | HMDA 2025 | |||
| 2025 | Michigan | Refinance, 5 to 24 units | $4.2M | HMDA 2025 | |||
| 2025 | Muskegon County, MI | Cash-out refinance, 5 to 24 units | $900K | HMDA 2025 | |||
| 2025 | Shiawassee County, MI | Purchase, 5 to 24 units | $260K | HMDA 2025 | |||
| 2025 | Houghton County, MI | Cash-out refinance, 25 to 49 units | $200K | HMDA 2025 | |||
| Nov 2025 | Michigan | SBA 504, Other Services (except Public Administration) | $660K | 25 yr | SBA FOIA | ||
| Jul 2025 | Michigan | SBA 504, Manufacturing | $300K | 20 yr | SBA FOIA | ||
| Mar 2025 | Michigan | SBA 7(a), Other Grocery and Related Products Merchant Wholesalers | $50K | 8.75% | 8 yr | SBA FOIA | |
| Jan 2025 | Michigan | SBA 7(a), Manufacturing | $950K | 7.5% | 25 yr | SBA FOIA | |
| 2024 | Michigan | Purchase, 5 to 24 units | $3.5M | HMDA 2024 | |||
| 2024 | Kalamazoo County, MI | Other purpose, 5 to 24 units | $2.4M | HMDA 2024 | |||
| 2024 | Muskegon County, MI | Purchase, 5 to 24 units | $2.3M | HMDA 2024 | |||
| 2024 | Eaton County, MI | Purchase, 25 to 49 units | $1.9M | HMDA 2024 | |||
| 2024 | Kalamazoo County, MI | Cash-out refinance, 5 to 24 units | $1.3M | HMDA 2024 | |||
| 2024 | Berrien County, MI | Purchase, 5 to 24 units | $1.2M | HMDA 2024 | |||
| 2024 | Shiawassee County, MI | Cash-out refinance, 50 to 99 units | $900K | HMDA 2024 | |||
| 2024 | Clinton County, MI | Cash-out refinance, 5 to 24 units | $300K | HMDA 2024 | |||
| 2024 | Ohio County, WV | Purchase, 5 to 24 units | $280K | HMDA 2024 | |||
| 2024 | Michigan | Cash-out refinance, 25 to 49 units | $220K | HMDA 2024 | |||
| Nov 2024 | West Virginia | SBA 7(a), Manufacturing | $4.9M | 8.5% | 10 yr | SBA FOIA | |
| Nov 2024 | West Virginia | SBA 504, Manufacturing | $1.2M | 20 yr | SBA FOIA | ||
| Sep 2024 | Michigan | SBA 7(a), Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesalers | $1.5M | 8.5% | 10 yr | SBA FOIA | |
| Aug 2024 | Michigan | SBA 7(a), All Other Amusement and Recreation Industries | $360K | 8.5% | 10 yr | SBA FOIA | |
| 7 multifamily loans made in 2025 | $34.4M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $108M | 13.0% | -8.1% |
| Construction and land development | $46.3M | 5.6% | +7.7% |
| Owner-occupied CRE | $148M | 17.9% | -3.2% |
| Non-owner-occupied CRE | $345M | 41.7% | +15.8% |
| Farmland | $0 | 0.0% | Not reported |
| Commercial and industrial | $116M | 14.0% | -0.3% |
| Commercial total | $763M |
Reference only: $63.1M 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 | $649M |
| Q4 2023 | $671M |
| Q1 2024 | $688M |
| Q2 2024 | $696M |
| Q3 2024 | $696M |
| Q4 2024 | $703M |
| Q1 2025 | $711M |
| Q2 2025 | $727M |
| Q3 2025 | $723M |
| Q4 2025 | $751M |
| Q1 2026 | $763M |
| Q2 2026 | $763M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 7 | $34.4M | $4.24M | $20M | HMDA, |
| Multifamily, 5 or more units | 2024 | 10 | $14.3M | $1.27M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 1 | $520K | $520K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 10 | $13.1M | $730K | $4.9M | SBA FOIA, |
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 12 | $30.8M | $1.93M | $10M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its name and state. SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.
Programs on record: Federal Home Loan Bank member, Indianapolis district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- First National Bank of Michigan reported commitments to fund construction loans that had not been drawn at June 30, 2026: $543,000 for 1-4 family residential construction and $27,555,000 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: $161,511,000. 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 | 83 | $1.93M |
| Over $100,000 up to $250,000 | 140 | $10.7M |
| Over $250,000 up to $1 million | 171 | $30.4M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 7 | $549K |
| Over $100,000 up to $250,000 | 50 | $7.12M |
| Over $250,000 up to $1 million | 158 | $74.3M |
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 | 7 | 6 | 1 | 9 | 11 |
| West Virginia | 0 | 0 | 0 | 1 | 1 |
| Indiana | 0 | 1 | 0 | 0 | 0 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- First National Bank of Michigan has 6 offices in 4 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 6 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Kalamazoo County, MI | 3 | 0 |
| Ingham County, MI | 1 | 0 |
| Kent County, MI | 1 | 0 |
| Ottawa 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 | $15.8M | $9.62M to $25.2M 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 | 474.2% | 76.0% to 428.1% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 44.0% | 4.0% to 48.4% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 102.4% | 77.1% to 103.2% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $28.1M | $5.20M to $127M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 83.6% | 65.2% to 88.1% 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
- Approval to first disbursement
- 19 days, median of 10
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| United Bank of Michigan | MI | $1.06B | $665M |
| Superior National Bank | MI | $1.04B | $333M |
| Southern Michigan Bank & Trust | MI | $1.68B | $1.02B |
| Northstar Bank | MI | $1.16B | $774M |
| West Michigan Community Bank | MI | $1.21B | $852M |
| University Bank | MI | $1.24B | $167M |
| First State Bank | MI | $1.35B | $618M |
| Commercial Bank | MI | $553M | $198M |
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. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. First National Bank of Michigan, FDIC certificate 58259. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $989M in total assets and $763M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 40 recorded loans from HMDA and SBA files, through September 30, 2026: 7 HMDA multifamily 2025, 10 HMDA multifamily 2024, 1 HMDA 1-4 unit investor 2025, 10 SBA 7(a) in 36 months, 12 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to First National Bank of Michigan]
- Phone and website. Phone 269-349-0100, from the lender's website on November 9, 2026. Website fnbmichigan.bank, from the FDIC record. [How to reach them]
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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
- 58259
- RSSD
- 3404467
- LEI
- 254900E8AB6YT3KRD187
- The Lender Report ID
- lr_001559
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Kalamazoo-Portage, 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 $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).
8 more sentences
- 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).
- 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.
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.
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
- FDIC Summary of Deposits, June 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