First National Bank & Trust Co.

BankIron Mountain, Michigan
www.fnbimk.com

Total Assets

$412.1M

Total Deposits

$355.2M

Branches

7

Established

1887

TFS Health Grade

$
D-

60.8 / 100

Below average financial health

How we grade

First National Bank & Trust Co. is a bank headquartered in Iron Mountain, Michigan, established in 1887. With $412.1M in total assets and 7 branch locations, it has a TFS Financial Health Grade of D- (60.8/100).

Capital & Safety

Tier 1 Capital Ratio
8.96%(8%)
Total Capital Ratio
16.07%(10%)
Non-Performing Loan Ratio
3.54%

Profitability

Return on Assets (ROA)
0.73%(1%)
Return on Equity (ROE)
9.30%(10%)
Net Interest Margin
3.51%
Efficiency Ratio
74.05%(60%)

Lending & Liquidity

Total Loans
$210.4M
Loan-to-Deposit Ratio
58.02%
Net Charge-Off Ratio
0.06%

Growth

Asset Growth (YoY)
+0.51%
Deposit Growth (YoY)
-1.34%
Net Income
$3.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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