This institution is no longer active

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

FMB-SECURITY BANK

MANISTEE, MI · Supervised by FDIC

Est. 1958FDIC #17,914RSSD: FDIC-17914

Part ofFIRST MICHIGAN BANK CORP→ View all charters

Outstanding Same

Current rating · Exam: July 1995

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.57%

Institution Profile

FDIC BankFind

Address

322 First Street, MANISTEE, MI

County

Manistee County

Established

October 9, 1958

Total Assets

$110M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 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

$110M

Total Deposits

$98M

Net Loans

$71M

Net Income

$853K

ROA

1.57%

ROE

24.19%

Risk-Based Capital

11.58%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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