🏦Bank Scorer

FIRST BANK, UPPER MICHIGAN

GLADSTONE, MI · Supervised by FDIC

Est. 1916FDIC #14,276RSSD: FDIC-14276
Part ofFIRST BANCSHARES CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.95%

Institution Profile

FDIC BankFind

Address

1400 Delta Ave, GLADSTONE, MI

County

Delta County

Established

August 14, 1916

Total Assets

$632M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$632M

Total Deposits

$532M

Net Loans

$441M

Net Income

$3M

ROA

1.95%

ROE

14.93%

Risk-Based Capital

17.18%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$518M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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