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First National Bank of America

First National Bank of America is an FDIC insured institution headquartered at 241 E Saginaw St, East Lansing, MI 48823.
It was founded in 1955 and has approximately $7 billion in assets. Customers can open an account at one of its 3 branches.

Deposit Rates - August 25, 2026

SAVINGS RATES	APY	MIN
SAV	0.25%	$100	Compare
SAV	2.50%	$20,000	Compare
SAV	2.75%	$50,000	Compare
SAV	3.00%	$100,000	Compare

CD RATES	APY	MIN
6 Mo CD	3.85%	$1,000	Compare
12 Mo CD	3.95%	$1,000	Compare
18 Mo CD	3.80%	$1,000	Compare
24 Mo CD	3.80%	$1,000	Compare
30 Mo CD	4.34%	$1,000	Compare
36 Mo CD	3.80%	$1,000	Compare
48 Mo CD	3.80%	$1,000	Compare
60 Mo CD	3.80%	$1,000	Compare

INT CHECKING RATES	APY	MIN
INTCK	2.51%	$1

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 17438
Date Established	1955
Assets	$ 6.70 billion
Loans	$ 6.14 billion
Deposits	$ 3.84 billion
Capital	$ 536.58 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions	$ 275.36 million
Interest-bearing balances	$ 266.88 million
Total securities	$ 78.16 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 6.14 billion
Loan loss allowance	$ 68.00 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	$ 5.97 million
Goodwill and other intangibles	$ 7.10 million
All other assets	$ 86.74 million
Total Assets	$ 6.16 billion

LIABILITIES
Total deposits	$ 3.84 billion
Interest-bearing deposits	$ 3.75 billion
Deposits held in domestic offices	$ 3.84 billion
% insured (estimated)"	82.60%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	$ 1,091.00 million
Subordinated debt	N.A.
All other liabilities	$ 16.50 millionn
Total Liabilities	$ 6.16 billion
Shareholders’ Equity	$ 536.58 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income	$ 533.71 million
Total Interest Expense	$ 228.95 million
Net interest income	$ 304.76 million
Provision for loan and lease losses	$ 4.36 million
Total non interest income	$ 19.28 million
Total non interest expense	$ 79.95 million
Pre-tax Net Operating Income	$ 78.29 million

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Branches

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