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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 - February 26, 2026

SAVINGS RATES APY MIN
SAV
0.25% $100 Compare
CD RATES APY MIN
6 Mo CD
4.71% $1,000 Compare
12 Mo CD
4.34% $1,000 Compare
18 Mo CD
4.34% $1,000 Compare
24 Mo CD
4.34% $1,000 Compare
30 Mo CD
4.34% $1,000 Compare
36 Mo CD
3.90% $1,000 Compare
48 Mo CD
3.85% $1,000 Compare
60 Mo CD
3.83% $1,000 Compare
MM RATES APY MIN
Money Market
3.50% $50,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.35% $1




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 17438
Date Established 1955
Assets $ 6.57 billion
Loans $ 6.01 billion
Deposits $ 3.82 billion
Capital $ 528.94 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 285.43 million
Interest-bearing balances $ 279.35 million
Total securities $ 73.31 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 6.01 billion
Loan loss allowance $ 67.09 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 4.17 million
Goodwill and other intangibles $ 6.80 million
All other assets $ 86.74 million
     Total Assets $ 6.04 billion

LIABILITIES
Total deposits $ 3.82 billion
      Interest-bearing deposits $ 3.71 billion
      Deposits held in domestic offices $ 3.82 billion
      % insured (estimated)" 82.89%
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 $ 6.04 billion
      Shareholders’ Equity $ 528.94 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 396.91 million
Total Interest Expense $ 170.22 million
Net interest income $ 226.70 million
Provision for loan and lease losses $ 3.27 million
Total non interest income $ 14.64 million
Total non interest expense $ 60.03 million
Pre-tax Net Operating Income $ 78.29 million

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Branches

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First National Bank of America Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    First National Bank of America
    Bank
    -
    $50,000
    N.A.
    0.25%
    1.11x (National Avg. - 0.23%)
    $100
    -
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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