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First National Bank of America
East Lansing, MI·FDIC Cert #17438·Charter: OCC·Est. 19550506.0·HC: FIRST NATIONAL BANCSHARES INC
Total Assets
$6.7B
Q4 2025
Return on Assets
2.94%
+0.01%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
24.67%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
65
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.94%+0.01
ROE
36.23%+0.26
Efficiency
24.67%-0.20
Equity/Assets
0.00%+0.00
NPL Ratio
1.84%+0.08
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
160.09%+2.72
Charge-offs
0.01%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 2.8 | 2.9 | 2.9 | 3.0 | 3.3 | 3.0 | 2.9 | 2.9 |
| ROE | 34.0 | 34.4 | 34.8 | 35.4 | 40.1 | 37.0 | 36.0 | 36.2 |
| Efficiency | 25.2 | 24.4 | 24.1 | 23.6 | 23.2 | 24.6 | 24.9 | 24.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.4 | 1.3 | 1.4 | 1.5 | 1.6 | 1.8 | 1.8 | 1.8 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 156.2 | 153.5 | 155.0 | 157.0 | 155.0 | 157.8 | 157.4 | 160.1 |
Balance Sheet
Total Assets$6.7B
Total Deposits$3.8B
Total Loans$6.1B
Total Equity$536.6M
Profitability
ROA2.94%
ROE36.23%
Efficiency Ratio24.67%
Net Income$190.2M
Risk & Asset Quality
NPL Ratio1.84%
Charge-off Rate0.01%
Loan/Deposit160.09%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans