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This institution is no longer active

Operations ceased on November 4, 2017. CRA examination history below reflects the period it was active.

NORTHERN MICHIGAN BANK & TRUST

ESCANABA, MI · Supervised by FDIC

Est. 1986FDIC #32,436RSSD: FDIC-32436
Part ofFIRST BANCSHARES CORP→ View all charters
Satisfactory Same

Current rating · Exam: February 2015

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.00%

Institution Profile

FDIC BankFind

Address

1921 3rd Avenue North, ESCANABA, MI

County

Delta County

Established

January 8, 1986

Total Assets

$262M(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

February 1, 2015

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 11 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 Q3 2017Call Report / FDIC

Total Assets

$262M

Total Deposits

$223M

Net Loans

$175M

Net Income

$2M

ROA

1.00%

ROE

7.42%

Risk-Based Capital

13.19%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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