This institution is no longer active

Operations ceased on September 30, 1997. CRA examination history below reflects the period it was active.

FMB-OLD STATE BANK

FREMONT, MI · Supervised by FDIC

Est. 1883FDIC #990RSSD: FDIC-990

Part ofFIRST MICHIGAN BANK CORP→ View all charters

Satisfactory

Current rating · Exam: November 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.46%

Institution Profile

FDIC BankFind

Address

2 West Main Street, FREMONT, MI

County

Newaygo County

Established

January 1, 1883

Total Assets

$76M(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, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 1997Call Report / FDIC

Total Assets

$76M

Total Deposits

$68M

Net Loans

$45M

Net Income

$538K

ROA

1.46%

ROE

22.17%

Risk-Based Capital

11.91%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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