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First National Bank & Trust Co.

$100M-$1B Specialty: Commercial MI FDIC cert 5062

Iron Mountain, MI

7 branches across MI

2664 banks in the $100M-$1B peer group nationally 46 in MI
View $100M-$1B leaderboard (MI) →

First National Bank & Trust Co. faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Delinquency Rate 2.60% above tier average
  • - Nonperforming Asset Ratio 1.15% above tier average
  • - ROA 0.44% below tier average
  • - Net Interest Margin 0.22% below tier average
  • - Efficiency Ratio 2.78% above tier average
Get updates when First National Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Total Assets ? $413.8M
+2.2% YoY +0.4% QoQ
+$27.7M $386.1M
+0.5% YoY
$993.6M
+8.4% YoY
$6.2B
+9.1% YoY
63%
Total Loans ? $205.8M
+5.3% YoY -0.1% QoQ
-$49.9M $255.7M
+1.1% YoY
$752.3M
+12.4% YoY
$3.2B
+10.8% YoY
50%
Total Deposits ? $356.2M
+0.9% YoY +0.3% QoQ
+$28.2M $328.0M
+0.1% YoY
$797.0M
+7.4% YoY
$4.8B
+8.2% YoY
63%
Return on Assets ? 0.83%
+52.3% YoY +13.7% QoQ
-0.44% 1.27%
+12.9% YoY
1.15%
+25.2% YoY
1.23%
+13.4% YoY
28%
Net Interest Margin ? 3.71%
+13.6% YoY +5.6% QoQ
-0.22% 3.93%
+6.0% YoY
3.99%
+5.8% YoY
3.89%
+5.7% YoY
41%
Efficiency Ratio ? 68.07%
-12.7% YoY -8.1% QoQ
+2.78% 65.29%
-4.5% YoY
66.95%
-6.2% YoY
66.95%
-4.1% YoY
37%
Delinquency Rate ? 3.48%
-1.8% YoY -3.5% QoQ
+2.60% 0.89%
+18.8% YoY
0.77%
+21.7% YoY
0.95%
+18.8% YoY
Bottom 4.4% in tier
Loan-to-Deposit Ratio ? 57.78%
+4.3% YoY -0.4% QoQ
-18.85% 76.64%
+0.8% YoY
78.66%
+4.9% YoY
76.70%
+0.9% YoY
84%
Non-Interest-Bearing Deposit Share ? 29.88%
+2.5% YoY +0.1% QoQ
+7.86% 22.02%
-1.0% YoY
24.69%
-2.1% YoY
22.01%
-1.2% YoY
81%
Nonperforming Asset Ratio ? 1.79%
+4.6% YoY -2.8% QoQ
+1.15% 0.64%
+19.7% YoY
0.58%
+27.6% YoY
0.67%
+19.3% YoY
Bottom 8.4% in tier
Tier 1 Capital Ratio ? 15.39%
+6.5% YoY +3.9% QoQ
-0.44% 15.83%
+1.5% YoY
20.91%
+0.5% YoY
17.06%
+0.8% YoY
69%
Non-Interest Income / Assets ? 0.25%
+4.1% YoY -75.4% QoQ
-0.03% 0.28%
+9.3% YoY
0.19%
+5.8% YoY
0.32%
+4.1% YoY
Top 9.0% in tier

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

241
Non-Interest Income / Assets
revenue_mix
Value: 0.25%
Peer Median: 0.28%
#241 of 2664 Top 9.0% in $100M-$1B
438
Loan-to-Deposit Ratio
liquidity
Value: 57.78%
Peer Median: 76.64%
#438 of 2664 Top 16.4% in $100M-$1B
498
Non-Interest-Bearing Deposit Share
funding
Value: 29.88%
Peer Median: 22.02%
#498 of 2664 Top 18.7% in $100M-$1B

Top Weaknesses (2 metrics)

2539
Delinquency Rate
credit_quality
Value: 3.48%
Peer Median: 0.89%
#2539 of 2654 Bottom 4.4% in $100M-$1B
2442
Nonperforming Asset Ratio
credit_quality
Value: 1.79%
Peer Median: 0.64%
#2442 of 2664 Bottom 8.4% in $100M-$1B
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