What is The First National Bank of Wakefield's financial health grade?

The First National Bank of Wakefield has a TFS Financial Health Grade of C- (score: 62.1/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The First National Bank of Wakefield have?

The First National Bank of Wakefield has 2 branch locations across the United States.

Is The First National Bank of Wakefield FDIC insured?

Yes, The First National Bank of Wakefield is FDIC insured (Certificate #5076).

What are the total assets of The First National Bank of Wakefield?

The First National Bank of Wakefield has total assets of $53.0M as reported in its most recent FDIC filing.

The First National Bank of Wakefield: Safety Grade & Financial Health

BankWakefield, Michigan

http://www.fnbwakefieldmi.com/

Total Assets

$53.0M

Total Deposits

$46.9M

Branches

Established

1910

The First National Bank of Wakefield is a bank headquartered in Wakefield, Michigan, established in 1910. It holds $53.0M in total assets across 2 branch locations. In our editorial opinion, based on public FDIC/NCUA data, The First National Bank of Wakefield earns a TFS Financial Health Grade of C- (62.1/100) — our editorial assessment, not an official rating or financial advice.

TFS Health Grade

C-

62.1 / 100

Average financial health

How we grade

TFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.

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Capital & Safety

Tier 1 Capital Ratio

9.85%(8%)

Total Capital Ratio

24.71%(10%)

Non-Performing Loan Ratio

0.89%

Profitability

Return on Assets (ROA)

0.57%(1%)

Return on Equity (ROE)

6.55%(10%)

Net Interest Margin

4.08%

Efficiency Ratio

82.57%(60%)

Lending & Liquidity

Total Loans

$21.1M

Loan-to-Deposit Ratio

44.44%

Net Charge-Off Ratio

Other banks in Michigan

LAKE MICHIGAN

Grand Rapids, MI

$16.0B

MICHIGAN STATE UNIVERSITY

East Lansing, MI

$8.4B

DFCU FINANCIAL

Dearborn, MI

$7.8B

Northpointe Bank

Bank

Grand Rapids, MI

Growth

Asset Growth (YoY)

-0.80%

Deposit Growth (YoY)

-4.20%

Net Income

$303.0K

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.

No CFPB complaints found for this institution.

Data sourced from CFPB Consumer Complaint Database. 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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Branch	Address	City	State	Type
The First National Bank of WakefieldHQ	401 Sunday Lake St	Wakefield	MI	11
The First National Bank of Wakefield	1008 E Lead St	Bessemer	MI	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Institution Details

Institution TypeBank

FDIC Certificate #5076

Primary RegulatorOCC

FDIC/NCUA InsuredYes

Data sourced from FDIC / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.