First National Bank of America
First National Bank of America reported total assets of $6.8 bn at Q2 2026, up 6.0% on a year earlier, the 222nd largest of 497 banks in our US coverage. The CET1 capital ratio at First National Bank of America was 15.28%, and the uninsured share of First National Bank of America was 18.66%. Source: FDIC Call Reports.
Key takeaways
- First National Bank of America has one of the highest loan-to-deposit ratio readings among banks of $1 bn to $10 bn: 160.07% at , against a median of 88.61% across 339 banks (FDIC Call Reports).
- At 34.72%, the return on equity (ROE) of First National Bank of America sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 12.68% (FDIC Call Reports).
- Among the 339 banks of $1 bn to $10 bn, few report a lower efficiency ratio than First National Bank of America, at 26.64% in ; the group median is 56.87% (FDIC Call Reports).
What sets First National Bank of America apart
- First National Bank of America reports one of the lowest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 8.13% at , where the median of the 339 banks is 10.45%.
- At 2.79%, the return on assets (ROA) of First National Bank of America sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 1.32%.
- On uninsured share of domestic deposits, First National Bank of America climbed from 460th to 420th among 500 US banks between and (1 = highest).
How large is First National Bank of America?
The balance sheet of First National Bank of America at : assets $6.8 bn, deposits $3.9 bn, net loans $6.2 bn (loans equal to 160.07% of deposits). Securities make up 1.2% of total assets at First National Bank of America. Since , when First National Bank of America held $900.5 mn, its assets grew 657.2%. In the year to , deposits at First National Bank of America rose 3.7% while its total assets rose 6.0%. At , First National Bank of America employed 412 full-time equivalent staff across 3 offices, about $16.6 mn of assets per employee and $1.3 bn of deposits per office.
How much funding at First National Bank of America is uninsured?
At First National Bank of America, uninsured deposits (above the FDIC limit) made up 18.66% of domestic deposits at (+1.96 pp on a year earlier); First National Bank of America ranks 420th of 500 on this measure. In dollars, First National Bank of America estimated $723.6 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.9 bn | +3.7% | 293rd of 499 |
| Net loans and leases | $6.2 bn | +5.2% | 179th of 500 |
| Loan-to-deposit ratio | 160.07% | +2.22 pp | 3rd of 500 |
| Tier 1 leverage ratio | 8.13% | -0.13 pp | 468th of 500 |
| Total risk-based capital ratio | 16.54% | -0.21 pp | 106th of 448 |
| Net interest margin | 4.86% | +0.01 pp | 46th of 500 |
| Return on assets (ROA) | 2.79% | -0.23 pp | 19th of 500 |
| Efficiency ratio | 26.64% | +2.03 pp | 16th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $410,000 | Widened by $240,000 | |
| Noncurrent loans to total loans | 1.90% | +0.14 pp | 452nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.01% | +0.01 pp | 115th of 500 (1 = lowest) |
US rank of First National Bank of America: 1 = highest unless marked 1 = lowest.
Balance sheet
First National Bank of America: assets, deposits and loans
- Total assets $6.8bn
- Deposits $3.9bn
- Net loans $6.2bn
Capital and securities
The CET1 ratio of First National Bank of America stood at 15.28% in , -0.21 pp year on year. Low and high at First National Bank of America since : 13.95% () to 19.70% (). Equity capital of First National Bank of America at : $550.7 mn, or 8.1% of total assets. First National Bank of America also reported a total capital ratio of 16.54% for , and a tier 1 leverage ratio of 8.13%.
The available-for-sale portfolio of First National Bank of America showed an unrealized loss of $410,000 at ; the loss widened by $240,000 over the year.
First National Bank of America: capital ratios
- Total capital 17%
- CET1 15%
- Tier 1 leverage 8.1%
First National Bank of America: unrealized securities gains and losses
- Available for sale -$410,000
- Held to maturity $0
Profitability and loan quality
For the year to , First National Bank of America earned a return on equity of 34.72%; return on assets: 2.79%. Net interest margin at First National Bank of America: 4.86%, +0.01 pp in a year. First National Bank of America net income: $94.2 mn, down 2.0% year on year. The efficiency ratio of First National Bank of America was 26.64%: about 27 cents cost per revenue dollar, against 49 cents at the median peer.
At , noncurrent loans were 1.90% of total loans at First National Bank of America; net charge-offs: 0.01% of average loans. Gross loans and leases at First National Bank of America: $6.3 bn, up 5.2% in a year.
First National Bank of America: profitability
- Return on equity 35%
- Net interest margin 4.9%
- Return on assets 2.8%
Peer group of First National Bank of America
The peer group of First National Bank of America is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 5 share the charter type of First National Bank of America (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Michigan. Against them, First National Bank of America shows CET1 ratio 15.28% against a peer median of 13.66%, return on equity 34.72% against a peer median of 13.49% and uninsured deposit share 18.66% against a peer median of 25.79%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Community Trust Bank, Inc. | State member bank | KY | $6.9 bn | not reported | 12.47% | 29.60% | |
| The Camden National Bank | National bank | ME | $6.9 bn | 12.73% | 12.70% | 24.07% | |
| Old Second National Bank | National bank | IL | $6.9 bn | 13.72% | 12.59% | 27.10% | |
| First National Bank of America | National bank | MI | $6.8 bn | 15.28% | 34.72% | 18.66% | |
| Hinsdale Bank & Trust Company | National bank | IL | $6.8 bn | 10.60% | 14.28% | 36.65% | |
| Intrust Bank | National bank | KS | $6.8 bn | 13.66% | 19.88% | 24.48% | |
| City National Bank of West Virginia | National bank | WV | $6.8 bn | 15.01% | 19.17% | 16.74% | |
. FDIC Call Reports.
Last eight quarters
Two years at First National Bank of America, to : assets +11.0%, deposits +6.9%, equity +6.0%. Staff 363 to 412.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $6.1 bn | $6.3 bn | $6.4 bn | $6.4 bn | $6.6 bn | $6.7 bn | $6.8 bn | $6.8 bn |
| Total deposits | $3.6 bn | $3.7 bn | $3.7 bn | $3.7 bn | $3.8 bn | $3.8 bn | $3.8 bn | $3.9 bn |
| Bank equity capital | $519.6 mn | $507.3 mn | $525.4 mn | $527.0 mn | $528.9 mn | $536.6 mn | $541.3 mn | $550.7 mn |
| CET1 ratio | 16.22% | 15.32% | 15.79% | 15.49% | 15.29% | 15.13% | 15.17% | 15.28% |
| Return on equity (ROE) | 34.78% | 35.35% | 40.15% | 36.98% | 35.97% | 36.23% | 33.85% | 34.72% |
| Uninsured share of domestic deposits | 16.15% | 15.94% | 16.54% | 16.69% | 17.16% | 17.45% | 17.50% | 18.66% |
| Full-time equivalent employees | 363 | 366 | 377 | 384 | 378 | 377 | 395 | 412 |
| Number of offices | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by First National Bank of America appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of First National Bank of America?
First National Bank of America reported $6.8 bn at in its Call Report. That makes First National Bank of America the 222nd largest of 497 banks in our US coverage.
Is First National Bank of America the same as its holding company?
No. This page covers First National Bank of America, FDIC certificate 17438; FIRST NATIONAL BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is First National Bank of America profitable?
First National Bank of America reported net income of $94.2 mn for the year to ; annualized return on equity: 34.72%. So yes: First National Bank of America made a profit over these months.
When is data for First National Bank of America next updated?
Figures from First National Bank of America for are due after .
Where can I check the figures for First National Bank of America?
In the FDIC BankFind Suite record for certificate 17438, and in the Call Reports of First National Bank of America (RSSD ID 413141) at the FFIEC Central Data Repository.